3802 Sandcliff, Laredo, TX 78045 Property Records

Webb County property record for 3802 Sandcliff, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,193 sqft · built 2004
Lot Size	0.226 acres (9,845 sqft)
Owner	2 Individual Names on Record
Last Sale	$406,598 (Aug 2022)
Tax Bill	$2,049 (2025)
Deeds & Mortgages	Apr 2005 Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`985-11004-170`

Property Details

APN / Parcel Number

Primary APN	`985-11004-170`
Alternative APN	`303397`

Interior

Stories	1 Story
Building Area	2,192 sqft Living Area
Gross Area	2,719 sqft
1st Floor Area	2,192 sqft
Utility Area	90 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,845 sqft (0.226 acres)
Garage Type	Attached
Garage Area	527 sqft
Parking Spaces	2 Parking Spaces
Pool Area	297 sqft
Porch	Open Porch
Porch Area	522 sqft

Location & Zoning

Street Address	3802 SANDCLIFF
City	LAREDO
State	TX
Zip	78045-8439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WINFIELD, BLOCK 4, LOT 17, PHASE 6
Legal Subdivision	WINFIELD
Legal Phase	6
Legal Block	4
Legal Lot Number	17
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	2
Census Block	2013
Census Tract	1722

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	3802 SANDCLIFF, LAREDO, TX 78045-8439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2005	Deed of Trust, Mortgage INTERNATIONAL BANK OF COMMERCE
Aug 15, 2022	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE FINANCIAL SERVICES LLC
Aug 15, 2022	Vendor's Lien, Transfer · FHA Mortgage MORTGAGE FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2022 · Amount on Record
Deed Sale	Aug 15, 2022 · Amount on Record
Prior Sale	Sep 17, 2021
Deed Document Number	20221476651
Deed Book / Page	5328 / 756
Prior Transfer Date	Feb 24, 2006
Prior Transfer Doc	002042/008
Record Updated	Oct 29, 2026

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3802 SANDCLIFF, LAREDO, TX 78045-8439
Transaction Type	Mortgage
Record Updated	May 29, 2026
Title Company	BORDER TITLE, BORDER TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001808/286
Date	Apr 13, 2005
Book Page	1808/286
Instrument	0873856

Lender

Name	INTERNATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Amount	Amount Recorded

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3802 SANDCLIFF, LAREDO, TX 78045-8439
Transaction Type	Mortgage
Record Updated	May 19, 2026
Title Company	STEWART TITLE, STC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005329/168
Date	Aug 15, 2022
Book Page	5329/168
Instrument	1476734

Lender

Name	MORTGAGE FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	FLOWER MOUND, TX 75028

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Aug 15, 2022
Property Address	3802 SANDCLIFF, LAREDO, TX 78045-8439
Document Number	005328/756
Book / Page	5328 / 756
Map Reference	VOL 23 PG 94&95
Instrument Date	Aug 12, 2022
Instrument	1476651
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	STEWART TITLE, STC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3802 SANDALITT DR, LAREDO, TX 78045

Mortgage

Document Number	0001476734
Date	Aug 15, 2022
Instrument	1476734

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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		$405,000 (-0.61%) Land $152,886 Building $252,114	$405,000 (-0.61%) Land $152,886 Building $252,114
2025	$2,049.00 (-18.27%) Homeowner's exemption	$407,494 (+13.34%) Land $152,886 Building $254,608	$407,494 (+13.34%) Land $152,886 Building $254,608
2024	$2,507.00 (+10.59%)
2023		$359,528 Land $147,865 Building $211,663	$359,528 Land $147,865 Building $211,663
2022	$2,267.00

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 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

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	0.02% 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 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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