320 W Montgomery St, Laredo, TX 78040 Property Records

Webb County property record for 320 W Montgomery St, Laredo, TX 78040

Property Summary

Property Type	Single Family Home
Details	1,870 sqft · built 1945
Lot Size	0.152 acres (6,620 sqft)
Owner	Individual Name on Record
Last Sale	$169,200 (Mar 2021)
Tax Bill	$740 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Mar 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`327-00178-120`

Property Details

APN / Parcel Number

Primary APN	`327-00178-120`
Alternative APN	`168607`

Interior

Stories	2 Stories
Building Area	1,870 sqft Living Area
1st Floor Area	1,622 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,620 sqft (0.152 acres)
Lot Dimensions	139 ft deep x 48 ft wide
Garage Type	Carport
Garage Area	462 sqft
Carport	Carport
Carport Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	590 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	320 W MONTGOMERY ST
City	LAREDO
State	TX
Zip	78040-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 12 BLK 178 ED
Legal Subdivision	EASTERN -- BLOCKS 151 - 200
Legal Block	178
Legal Lot Number	12
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	2
Census Block	2026
Census Tract	1201

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	Individual Name on Record
Mailing Address	320 W MONTGOMERY ST, LAREDO, TX 78040-1905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HOUSING CORPORATI
Mar 30, 2021	Vendor's Lien, Transfer · FHA Mortgage PRIMELENDING
Feb 23, 2018	Intrafamily Transfer, Transfer · Line of Credit ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Feb 23, 2018 · Amount on Record
Deed Document Number	20211423506
Deed Book / Page	4988 / 890
Prior Transfer Date	Mar 26, 2021
Prior Transfer Doc	004988/890
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	320 W MONTGOMERY ST, LAREDO, TX 78040-1905
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W MONTGOMERY ST, LAREDO, TX 78040-1905

Mortgage

Document Number	005532/121
Date	Sep 14, 2023
Book Page	5532/121
Instrument	1510576

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	320 W MONTGOMERY ST, LAREDO, TX 78040-1905
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W MONTGOMERY ST, LAREDO, TX 78040-1905

Mortgage

Document Number	0004989/17
Date	Mar 30, 2021
Book Page	4989/17
Instrument	1423508

Lender

Name	TEXAS STATE AFFORDABLE HOUSING CORPORATI
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Mar 24, 2024

March 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Mar 30, 2021
Property Address	320 W MONTGOMERY ST, LAREDO, TX 78040-1905
Document Number	004988/890
Book / Page	4988 / 890
Map Reference	VOL 2 PG 101
Instrument Date	Mar 26, 2021
Instrument	1423506
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W MONTGOMERY ST, LAREDO, TX 78040-1905

Mortgage

Document Number	0001423507
Date	Mar 30, 2021
Instrument	1423507

Lender

Name	PRIMELENDING
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WEBB TX
Recording Date	Feb 23, 2018
Property Address	320 W MONTGOMERY ST, LAREDO, TX 78040-1905
Document Number	004375/632
Book / Page	4375 / 632
Instrument Date	Feb 16, 2018
Instrument	1321698
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 W MONTGOMERY ST, 320, LAREDO, TX 78040-1905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W MONTGOMERY ST, LAREDO, TX 78040-1905

Mortgage

Document Number	0001321699
Date	Feb 23, 2018
Instrument	1321699

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Laredo Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,915 (-1.02%) Land $66,796 Building $78,119	$144,915 (-1.02%) Land $66,796 Building $78,119
2025	$740.00 (-0.8%) Homeowner's exemption	$146,405 (+6.3%) Land $66,796 Building $79,609	$146,405 (+6.3%) Land $66,796 Building $79,609
2024	$746.00 (-7.33%)
2023		$137,730 Land $53,887 Building $83,843	$137,730 Land $53,887 Building $83,843
2022	$805.00

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 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	Not rated no burnable land within 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 822 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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