315 Michoacan Loop, Laredo, TX 78045 Property Records

Webb County property record for 315 Michoacan Loop, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,886 sqft · built 2011
Lot Size	0.201 acres (8,752 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,600 (May 2017)
Tax Bill	$1,735 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`989-68002-260`

Property Details

APN / Parcel Number

Primary APN	`989-68002-260`
Alternative APN	`395212`

Interior

Stories	1 Story
Building Area	1,886 sqft Living Area
Gross Area	2,386 sqft
1st Floor Area	1,886 sqft
Utility Area	36 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,752 sqft (0.201 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Pool Area	420 sqft
Porch	Open Porch
Porch Area	501 sqft

Location & Zoning

Street Address	315 MICHOACAN LOOP
City	LAREDO
State	TX
Zip	78045-6641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SAN ISIDRO NORTHEAST, BLOCK 2, LOT 26, PHASE 4
Legal Subdivision	SAN ISIDRO NORTHEAST
Legal Phase	4
Legal Block	2
Legal Lot Number	26
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2029
Census Tract	1727

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	315 MICHOACAN LOOP, LAREDO, TX 78045-6641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 17, 2017	Intrafamily Transfer, Transfer · FHA Mortgage MUSA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2017 · Amount on Record
Deed Sale	May 17, 2017 · Amount on Record
Prior Sale	Aug 22, 2016 · Amount on Record
Deed Document Number	20171297500
Deed Book / Page	4238 / 123
Prior Transfer Date	May 15, 2017
Prior Transfer Doc	004238/123
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	315 MICHOACAN LOOP, LAREDO, TX 78045-6641
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4878/482
Date	Oct 8, 2020
Book Page	4878/482
Instrument	1406616

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Jul 1, 2047

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WEBB TX
Recording Date	May 17, 2017
Property Address	315 MICHOACAN LOOP, LAREDO, TX 78045-6641
Document Number	004238/123
Book / Page	4238 / 123
Map Reference	VOL 28 PG 26-28
Instrument Date	May 15, 2017
Instrument	1297500
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	315 MICHOACAN LOOP, LAREDO, TX 78045-6641

Mortgage

Document Number	0001297501
Date	May 17, 2017
Instrument	1297501

Lender

Name	MUSA FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$344,850 (+0.54%) Land $132,586 Building $212,264	$344,850 (+0.54%) Land $132,586 Building $212,264
2025	$1,735.00 (+0.29%) Homeowner's exemption	$343,000 (+10.68%) Land $132,586 Building $210,414	$343,000 (+10.68%) Land $132,586 Building $210,414
2024	$1,730.00 (-11.96%)
2023		$309,906 Land $114,821 Building $195,085	$309,906 Land $114,821 Building $195,085
2022	$1,965.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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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