3807 Sandcliff, Laredo, TX 78045 Property Records

Webb County property record for 3807 Sandcliff, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,853 sqft · built 2005
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,800 (Apr 2014)
Tax Bill	$1,682 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`985-11005-040`

Property Details

APN / Parcel Number

Primary APN	`985-11005-040`
Alternative APN	`303399`

Interior

Stories	1 Story
Building Area	1,853 sqft Living Area
Gross Area	2,416 sqft
1st Floor Area	1,853 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.202 acres)
Garage Type	Attached
Garage Area	563 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	408 sqft

Location & Zoning

Street Address	3807 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 5, LOT 4, PHASE 6
Legal Subdivision	WINFIELD
Legal Phase	6
Legal Block	5
Legal Lot Number	4
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	2
Census Block	2014
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	3807 SANDCLIFF, LAREDO, TX 78045-8439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 23, 2016	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 3, 2015	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 1, 2014	Vendor's Lien, Transfer · FHA Mortgage GOLD FINANCIAL SERVICES
May 9, 2012	Vendor's Lien, Transfer · FHA Mortgage COMPASS BANK
Apr 22, 2005	Vendor's Lien, Subdivision Related Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2014 · Amount on Record
Deed Sale	Apr 1, 2014 · Amount on Record
Prior Sale	May 9, 2012 · Amount on Record
Deed Document Number	20141197260
Deed Book / Page	3594 / 192
Prior Transfer Date	Mar 28, 2014
Prior Transfer Doc	003594/192
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3807 SANDCLIFF, LAREDO, TX 78045-8439
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005041/792
Date	Jun 10, 2021
Book Page	5041/792
Instrument	1431836

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3807 SANDCLIFF, LAREDO, TX 78045-8439
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005249/488
Date	Apr 7, 2022
Book Page	5249/488
Instrument	1463965

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3807 SANDCLIFF, LAREDO, TX 78045-8439
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004066/744
Date	Jun 23, 2016
Book Page	4066/744
Instrument	1268111

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Apr 1, 2045

March 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3807 SANDCLIFF, LAREDO, TX 78045-8439
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003751/259
Date	Mar 3, 2015
Book Page	3751/259
Instrument	1226156

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2045

April 2014: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Apr 1, 2014
Property Address	3807 SANDCLIFF, LAREDO, TX 78045-8439
Document Number	003594/192
Book / Page	3594 / 192
Map Reference	MB23 PG94&95
Instrument Date	Mar 28, 2014
Instrument	1197260
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7550 COUNTRY CLUB DR APT 6303, 6303, LAREDO, TX 78041-3245

Mortgage

Document Number	0001197261
Date	Apr 1, 2014
Instrument	1197261

Lender

Name	GOLD FINANCIAL SERVICES
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2044

May 2012: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	May 9, 2012
Property Address	3807 SANDCLIFF, LAREDO, TX 78045-8439
Document Number	003256/136
Book / Page	3256 / 136
Map Reference	MB23 PG94&95
Instrument Date	May 3, 2012
Instrument	1133358
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3807 SANDCLIFF, LAREDO, TX 78045-8439

Mortgage

Document Number	0001133359
Date	May 9, 2012
Instrument	1133359

Lender

Name	COMPASS BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2042

April 2005: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Apr 22, 2005
Property Address	3807 SANDCLIFF, LAREDO, TX 78045-8439
Document Number	001815/156
Book / Page	1815 / 156
Map Reference	MB2 PG94&95
Instrument Date	Apr 18, 2005
Instrument	0875045
Transaction Type	Subdivision Related Transfer
Record Updated	May 8, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3807 SANDCLIFF, LAREDO, TX 78045-8439
Investor	Possibly a Property Investor

Mortgage

Document Number	0000875046
Date	Apr 22, 2005
Instrument	0875046

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	May 1, 2015
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	1-Year CMT
Max Rate	10.5%

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		$331,163 (-0.42%) Land $136,826 Building $194,337	$331,163 (-0.42%) Land $136,826 Building $194,337
2025	$1,682.00 (-18.47%) Homeowner's exemption	$332,544 (+6.53%) Land $136,826 Building $195,718	$332,544 (+6.53%) Land $136,826 Building $195,718
2024	$2,063.00 (+4.77%)
2023		$312,153 Land $132,251 Building $179,902	$312,153 Land $132,251 Building $179,902
2022	$1,969.00

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
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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