309 Emerald Lake Dr, Laredo, TX 78041 Property Records

Webb County property record for 309 Emerald Lake Dr, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	2,535 sqft · built 1999
Lot Size	0.221 acres (9,625 sqft)
Owner	Individual Name on File
Last Sale	$316,000 (Dec 2020)
Tax Bill	$1,953 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`991-00013-120`

Property Details

APN / Parcel Number

Primary APN	`991-00013-120`
Alternative APN	`247428`

Interior

Stories	2 Stories
Building Area	2,535 sqft Living Area
Gross Area	3,159 sqft
1st Floor Area	1,875 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	9,625 sqft (0.221 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	300 sqft

Location & Zoning

Street Address	309 EMERALD LAKE DR
City	LAREDO
State	TX
Zip	78041-1925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKESIDE, BLOCK 13, LOT 12, PHASE 1
Legal Subdivision	LAKESIDE
Legal Phase	1
Legal Block	13
Legal Lot Number	12
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2004
Census Tract	1714

Owner

309 Emerald Lake Dr is owned and occupied by an individual who bought it in December 2020.

Source: Webb County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	309 EMERALD LAKE DR, LAREDO, TX 78041-1925
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Vendor's Lien, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 9, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2020 · Amount on File
Deed Sale	Dec 28, 2020 · Amount on File
Prior Sale	Nov 9, 2018
Deed Document Number	20201414260
Deed Book / Page	4928 / 159
Prior Transfer Date	Dec 18, 2020
Prior Transfer Doc	004928/159
Record Updated	Oct 29, 2026

December 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Dec 28, 2020
Property Address	309 EMERALD LAKE DR, LAREDO, TX 78041-1925
Document Number	004928/159
Book / Page	4928 / 159
Map Reference	VOL 18 PG 82&83
Instrument Date	Dec 18, 2020
Instrument	1414260
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	LAREDO TITLE AND ABSTRACT LIMITED, LAREDO TITLE & ABSTRACT LTD

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 EMERALD LAKE DR, LAREDO, TX 78041-1925
Investor	Possibly a Property Investor

Mortgage

Document Number	0001414261
Date	Dec 28, 2020
Instrument	1414261

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBB TX
Recording Date	Nov 9, 2018
Property Address	309 EMERALD LAKE DR, LAREDO, TX 78041-1925
Document Number	004505/089
Book / Page	4505 / 089
Map Reference	VOL 18 PG 82&83
Instrument Date	Nov 7, 2018
Instrument	1344431
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 EMEVALD LAKE DR, LAREDO, TX 78041-1925

Tax Assessment & Valuation

The 2025 property tax bill for 309 Emerald Lake Dr was $1,953 with a homeowner's exemption, down 18.3% from the year before.

Source: Webb County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Laredo City
County	Webb County
Unified School District	United Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$390,000 (+1.05%) Land $161,122 Building $228,878	$390,000 (+1.05%) Land $161,122 Building $228,878
2025	$1,953.00 (-18.25%) Homeowner's exemption	$385,964 Land $161,122 Building $224,842	$385,964 Land $161,122 Building $224,842
2024	$2,389.00
2023		$358,325 Land $120,409 Building $237,916	$358,325 Land $120,409 Building $237,916
2022	$2,164.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 309 Emerald Lake Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	9 (1999–2017)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Sep 2017 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 309 Emerald Lake Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LAREDO serves 260,046 people · EPA ID TX2400001
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · May 2026 Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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