3528 Francisco S Ramirez St, Laredo, TX 78046 Property Records

Webb County property record for 3528 Francisco S Ramirez St, Laredo, TX 78046

Property Summary

Property Type	Single Family Home
Details	1,422 sqft · built 2021
Lot Size	0.104 acres (4,524 sqft)
Owner	2 Individual Names on File
Last Sale	$193,500 (Dec 2021)
Tax Bill	$1,048 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`950-35007-150`

Property Details

APN / Parcel Number

Primary APN	`950-35007-150`
Alternative APN	`786431`

Interior

Stories	1 Story
Building Area	1,422 sqft Living Area
1st Floor Area	1,422 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,524 sqft (0.104 acres)
Porch	Open Porch
Porch Area	50 sqft

Location & Zoning

Street Address	3528 FRANCISCO S RAMIREZ ST, ST
City	LAREDO
State	TX
Zip	78046-5509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOMAS DEL SUR SUBD. UNIT IX BLK 7 LOT 15
Legal Subdivision	LOMAS DEL
Legal Block	7
Legal Lot Number	15
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO SOUTH-EL CENIZO
Census Block Group	1
Census Block	1000
Census Tract	1806

Owner

3528 Francisco S Ramirez St is owned by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3528 FRANCISCO S RAMIREZ ST, LAREDO, TX 78046-5509
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
Aug 31, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 28, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Dec 1, 2021	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2021 · Amount on File
Deed Sale	Dec 1, 2021 · Amount on File
Deed Document Number	20211450336
Deed Book / Page	5163 / 304
Prior Transfer Date	Nov 30, 2021
Prior Transfer Doc	005163/304
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3528 FRANCISCO S RAMIREZ ST, LAREDO, TX 78046-5509
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 FRANCISCO S RAMIREZ ST, LAREDO, TX 78046-5509

Mortgage

Document Number	005524/262
Date	Aug 31, 2023
Book Page	5524/262
Instrument	1509425

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	340 Months
Due	Dec 1, 2051

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3528 FRANCISCO S RAMIREZ ST, LAREDO, TX 78046-5509
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 FRANCISCO S RAMIREZ ST, EL CENIZO, TX 78046-5509

Mortgage

Document Number	005454/759
Date	Apr 28, 2023
Book Page	5454/759
Instrument	1498454

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Dec 1, 2051

December 2021: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Dec 1, 2021
Property Address	3528 FRANCISCO S RAMIREZ ST, LAREDO, TX 78046-5509
Document Number	005163/304
Book / Page	5163 / 304
Map Reference	VOL 38 PG 23&24
Instrument Date	Nov 30, 2021
Instrument	1450336
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 12, 2023
Title Company	LAREDO TITLE AND ABSTRACT LIMITED, LAREDO TITLE & ABSTRACT LTD

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 FRANCISCO S RAMIREZ ST, LAREDO, TX 78046-5509

Mortgage

Document Number	0001450337
Date	Dec 1, 2021
Instrument	1450337

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3528 Francisco S Ramirez St was $1,048, up 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		$205,959 (-0.59%) Land $49,945 Building $156,014	$205,959 (-0.59%) Land $49,945 Building $156,014
2025	$1,048.00 (+2.04%)	$207,177 Land $49,945 Building $157,232	$207,177 Land $49,945 Building $157,232
2024	$1,027.00
2023		$189,784 Land $29,135 Building $160,649	$189,784 Land $29,135 Building $160,649
2022	$1,289.00

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

Flood

FEMA maps place 3528 Francisco S Ramirez St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3528 Francisco S Ramirez St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.03% 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 793 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Smartcom Telephone, Verizon.

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