320 Cuencas, Laredo, TX 78046 Property Records

Webb County property record for 320 Cuencas, Laredo, TX 78046

Property Summary

Property Type	Single Family Home
Details	1,284 sqft · built 2016
Lot Size	0.111 acres (4,830 sqft)
Owner	2 Individual Names on Record
Last Sale	$103,100 (Mar 2017)
Tax Bill	$892 (2025)
Deeds & Mortgages	Oct 2025 Construction Loan Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`964-51005-180`

Property Details

APN / Parcel Number

Primary APN	`964-51005-180`
Alternative APN	`256845`

Interior

Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	4,830 sqft (0.111 acres)
Porch	Open Porch
Porch Area	102 sqft

Location & Zoning

Street Address	320 CUENCA DR
City	LAREDO
State	TX
Zip	78046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SANTA RITA UNIT XI, BLOCK 5, LOT 18
Legal Subdivision	SANTA RITA UNIT XI
Legal Block	5
Legal Lot Number	18
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO SOUTH-EL CENIZO
Census Block Group	2
Census Block	2003
Census Tract	1819

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	320 CUENCA DR, LAREDO, TX 78046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Construction Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Aug 1, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 20, 2017	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CITY OF LAREDO
Mar 20, 2017	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2017 · Amount on Record
Deed Sale	Mar 20, 2017 · Amount on Record
Prior Sale	Mar 2, 2016
Deed Document Number	20171291574
Deed Book / Page	4204 / 315
Prior Transfer Date	Mar 14, 2017
Prior Transfer Doc	004204/315
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	320 CUENCAS, LAREDO, TX 78046-8589
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CUENCAS, LAREDO, TX 78046-8589
Investor	Possibly a Property Investor

Mortgage

Document Number	005918/128
Date	Oct 7, 2025
Book Page	5918/128
Instrument	1569654

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME
Type	Non-Lending Institution
Address	451 7TH ST SW, WASHINGTON, DC 20410

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	258 Months
Due	Apr 1, 2047

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	320 CUENCAS, LAREDO, TX 78046-8589
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CUENCAS, LAREDO, TX 78046-8589

Mortgage

Document Number	005321/710
Date	Aug 1, 2022
Book Page	5321/710
Instrument	1475392

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Apr 1, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	320 CUENCAS, LAREDO, TX 78046-8589
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4204/709
Date	Mar 20, 2017
Book Page	4204/709
Instrument	1291662

Lender

Name	CITY OF LAREDO
Type	Government Agency
Address	LAREDO, TX 78042

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	60 Months
Due	Mar 19, 2022

March 2017: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Mar 20, 2017
Property Address	320 CUENCAS, LAREDO, TX 78046-8589
Document Number	004204/315
Book / Page	4204 / 315
Map Reference	VOL 20 PG 93
Instrument Date	Mar 14, 2017
Instrument	1291574
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3302 CHACOTA ST # 128, 3302, LAREDO, TX 78046-7025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CUENCAS, LAREDO, TX 78046-8589
Investor	Possibly a Property Investor

Mortgage

Document Number	0001291575
Date	Mar 20, 2017
Instrument	1291575

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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		$184,481 (+4.66%) Land $44,436 Building $140,045	$184,481 (+4.66%) Land $44,436 Building $140,045
2025	$892.00 (-16.32%) Homeowner's exemption	$176,272 (+10.14%) Land $44,436 Building $131,836	$176,272 (+10.14%) Land $44,436 Building $131,836
2024	$1,066.00 (+13.04%)
2023		$160,045 Land $41,973 Building $118,072	$160,045 Land $41,973 Building $118,072
2022	$943.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 502 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Smartcom Telephone.

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