3116 Fair Oaks Ct, Laredo, TX 78045 Property Records

Webb County property record for 3116 Fair Oaks Ct, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	6,895 sqft · built 2001
Lot Size	0.406 acres (17,685 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,653 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`985-10010-170`

Property Details

APN / Parcel Number

Primary APN	`985-10010-170`
Alternative APN	`241039`

Interior

Stories	2 Stories
Building Area	6,895 sqft Living Area
Gross Area	7,511 sqft
1st Floor Area	3,259 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	17,685 sqft (0.406 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	618 sqft
Porch	Open Porch
Porch Area	1,911 sqft
Patio Area	329 sqft

Location & Zoning

Street Address	3116 FAIR OAKS CT
City	LAREDO
State	TX
Zip	78045-8139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 17 BLK 10 WINFIELD PUD
Legal Subdivision	WINFIELD PUD
Legal Block	10
Legal Lot Number	17
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	2
Census Block	2003
Census Tract	1722

Owner

3116 Fair Oaks Ct is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3116 FAIR OAKS CT, LAREDO, TX 78045-8139
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
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit INTERNATIONAL BANK OF COMMERCE
Feb 21, 2020	Deed of Trust, Mortgage · Line of Credit BBVA USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3116 FAIR OAKS CT, LAREDO, TX 78045-8139
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005933/752
Date	Nov 4, 2025
Book Page	5933/752
Instrument	1572005

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Oct 27, 2045

Interest

Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3116 FAIR OAKS CT, LAREDO, TX 78045-8139
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4743/242
Date	Feb 21, 2020
Book Page	4743/242
Instrument	1385315

Lender

Name	BBVA USA
Type	Bank
Address	LAREDO, TX 78045

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3116 Fair Oaks Ct was $4,653 with exemptions applied, down 18% 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		$1,117,979 (+1%)	$1,264,786 (+24.44%) Land $357,768 Building $907,018
2025	$4,653.00 (-17.99%) Homeowner's exemption Senior Citizen's exemption	$1,016,345 Land $357,768 Building $658,577	$1,016,345 Land $357,768 Building $658,577
2024	$5,674.00
2023		$916,173 Land $304,005 Building $612,168	$916,173 Land $304,005 Building $612,168
2022	$5,303.00

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

Flood

FEMA maps place 3116 Fair Oaks Ct 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 3116 Fair Oaks Ct 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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