3105 Spring Creek Dr, Laredo, TX 78045 Property Records

Webb County property record for 3105 Spring Creek Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,209 sqft · built 1994
Lot Size	0.264 acres (11,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$353,900 (Jul 2020)
Tax Bill	$1,964 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`985-00015-160`

Property Details

APN / Parcel Number

Primary APN	`985-00015-160`
Alternative APN	`240983`

Interior

Stories	1 Story
Building Area	2,209 sqft Living Area
Gross Area	2,911 sqft
1st Floor Area	2,209 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,511 sqft (0.264 acres)
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	694 sqft

Location & Zoning

Street Address	3105 SPRING CREEK DR
City	LAREDO
State	TX
Zip	78045-8141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 16 BLK 15 WINFIELD I
Legal Subdivision	WINFIELD
Legal Phase	I
Legal Block	15
Legal Lot Number	16
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	2
Census Block	2004
Census Tract	1722

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3105 SPRING CREEK DR, LAREDO, TX 78045-8141
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Line of Credit INTERNATIONAL BANK OF COMMERCE
Jul 17, 2020	Vendor's Lien, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2020 · Amount on Record
Deed Sale	Jul 17, 2020 · Amount on Record
Prior Sale	Aug 24, 2015 · Amount on Record
Deed Document Number	20201398137
Deed Book / Page	4822 / 524
Prior Transfer Date	Jul 15, 2020
Prior Transfer Doc	004822/524
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3105 SPRING CREEK DR, LAREDO, TX 78045-8141
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005999/731
Date	Mar 11, 2026
Book Page	5999/731
Instrument	1581955

Lender

Name	INTERNATIONAL BANK OF COMMERCE
Type	Bank
Address	8998 RESEARCH BLVD, AUSTIN, TX 78758

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 5, 2046

Interest

Change Frequency	Monthly

July 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jul 17, 2020
Property Address	3105 SPRING CREEK DR, LAREDO, TX 78045-8141
Document Number	004822/524
Book / Page	4822 / 524
Map Reference	VOL 13 PG 59&60
Instrument Date	Jul 15, 2020
Instrument	1398137
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
Relationship	Community Property
Address	3105 SPRING CREEK DR, LAREDO, TX 78045-8141

Mortgage

Document Number	0001398138
Date	Jul 17, 2020
Instrument	1398138

Lender

Name	CITIZENS BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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		$386,623 (-0.42%) Land $178,651 Building $207,972	$386,623 (-0.42%) Land $178,651 Building $207,972
2025	$1,964.00 (+0.36%) Homeowner's exemption	$388,248 (+5.91%) Land $178,651 Building $209,597	$388,248 (+5.91%) Land $178,651 Building $209,597
2024	$1,957.00 (-14.17%)
2023		$366,566 Land $172,665 Building $193,901	$366,566 Land $172,665 Building $193,901
2022	$2,280.00

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

Flood

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	4 in force

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

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	None beyond 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 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Smartcom Telephone.

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