3106 Spring Creek Dr, Laredo, TX 78045 Property Records

Webb County property record for 3106 Spring Creek Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,760 sqft · built 1995
Lot Size	0.294 acres (12,813 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,283 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`985-00015-030`

Property Details

APN / Parcel Number

Primary APN	`985-00015-030`
Alternative APN	`240970`

Interior

Stories	1 Story
Building Area	2,760 sqft Living Area
Gross Area	3,360 sqft
1st Floor Area	2,760 sqft
Utility Area	70 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,813 sqft (0.294 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Pool Area	480 sqft
Porch	Open Porch
Porch Area	516 sqft

Location & Zoning

Street Address	3106 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 3 BLK 15 WINFIELD I
Legal Subdivision	WINFIELD
Legal Phase	I
Legal Block	15
Legal Lot Number	3
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	2
Census Block	2004
Census Tract	1722

Owner

3106 Spring Creek Dr is owned and occupied by two individuals who acquired it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3106 SPRING CREEK DR, LAREDO, TX 78045-8141
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
Jul 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA
Oct 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Sep 28, 2018	Warranty Deed, Transfer
Mar 12, 2018	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018
Deed Sale	Sep 28, 2018
Deed Document Number	20181340801
Deed Book / Page	4485 / 33
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3106 SPRING CREEK DR, LAREDO, TX 78045-8141
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	LAREDO TITLE AND ABSTRACT LIMITED, LAREDO TITLE & ABSTRACT LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5075/587
Date	Jul 29, 2021
Book Page	5075/587
Instrument	1437174

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35296

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3106 SPRING CREEK DR, LAREDO, TX 78045-8141
Transaction Type	Mortgage
Record Updated	Oct 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4494/175
Date	Oct 18, 2018
Book Page	4494/175
Instrument	1342478

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBB TX
Recording Date	Sep 28, 2018
Property Address	3106 SPRING CREEK DR, LAREDO, TX 78045-8141
Document Number	004485/033
Book / Page	4485 / 033
Map Reference	VOL 13 PG 59-60
Instrument Date	Sep 28, 2018
Instrument	1340801
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	3106 SPRING CREEK DR, LAREDO, TX 78045-8141

March 2018: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	WEBB TX
Recording Date	Mar 12, 2018
Property Address	3106 SPRING CREEK DR, LAREDO, TX 78045-8141
Document Number	004383/056
Book / Page	4383 / 056
Map Reference	VOL 13 PG 59&60
Instrument Date	Mar 12, 2018
Instrument	1322906
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 REGAL DR, LAREDO, TX 78041-2338

Tax Assessment & Valuation

The 2025 property tax bill for 3106 Spring Creek Dr was $2,283, up 1.2% 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		$449,069 (-0.46%) Land $198,602 Building $250,467	$449,069 (-0.46%) Land $198,602 Building $250,467
2025	$2,283.00 (+1.2%)	$451,166 Land $198,602 Building $252,564	$451,166 Land $198,602 Building $252,564
2024	$2,256.00
2023		$422,465 Land $191,939 Building $230,526	$422,465 Land $191,939 Building $230,526
2022	$2,679.00

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

Flood

FEMA maps place 3106 Spring Creek 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	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

Wildfire risk around 3106 Spring Creek 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	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 608 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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