3804 Winrock Dr, Laredo, TX 78045 Property Records

Webb County property record for 3804 Winrock Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,652 sqft · built 2003
Lot Size	0.239 acres (10,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,024 (2025)
Deeds & Mortgages	Mar 2024 Reverse Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`985-11006-210`

Property Details

APN / Parcel Number

Primary APN	`985-11006-210`
Alternative APN	`264626`

Interior

Stories	1 Story
Building Area	2,652 sqft Living Area
Gross Area	3,180 sqft
1st Floor Area	2,652 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,400 sqft (0.239 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	523 sqft

Location & Zoning

Street Address	3804 WINROCK DR
City	LAREDO
State	TX
Zip	78045-8183
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WINFIELD, BLOCK 6, LOT 21, PHASE 5
Legal Subdivision	WINFIELD
Legal Phase	5
Legal Block	6
Legal Lot Number	21
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	2
Census Block	2006
Census Tract	1722

Owner

3804 Winrock Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3804 WINROCK DR, LAREDO, TX 78045-8183
Occupancy	Owner Occupied
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
Mar 1, 2024	Deed of Trust, Mortgage · Reverse Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 24, 2017	Deed of Trust, Mortgage · Line of Credit AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3804 WINROCK DR, LAREDO, TX 78045-8183
Transaction Type	Mortgage
Record Updated	Mar 15, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 WINROCK DR, LAREDO, TX 78045-8183

Mortgage

Document Number	005611/218
Date	Mar 1, 2024
Book Page	5611/218
Instrument	1523338

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE E, CLEVELAND, OH 44114

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2039

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3804 WINROCK DR, LAREDO, TX 78045-8183
Transaction Type	Mortgage
Record Updated	Mar 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004224/511
Date	Apr 24, 2017
Book Page	4224/511
Instrument	1295175

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	May 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3804 Winrock Dr was $2,024 with a homeowner's exemption, down 13.5% 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		$400,000 (-) Land $161,512 Building $238,488	$400,000 (-) Land $161,512 Building $238,488
2025	$2,024.00 (-13.5%) Homeowner's exemption	$400,000 Land $161,512 Building $238,488	$400,000 Land $161,512 Building $238,488
2024	$2,340.00
2023		$340,000 Land $156,208 Building $183,792	$340,000 Land $156,208 Building $183,792
2022	$2,090.00

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

Flood

FEMA maps place 3804 Winrock Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3804 Winrock Dr is low, with a 0.01% annual chance of 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

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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