3809 N Lost Creek Loop, Laredo, TX 78046 Property Records

Webb County property record for 3809 N Lost Creek Loop, Laredo, TX 78046

Property Summary

Property Type	Single Family Home
Details	2,077 sqft · built 1993
Lot Size	0.111 acres (4,851 sqft)
Owner	Individual Name on Record
Tax Bill	$1,093 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`925-10003-120`

Property Details

APN / Parcel Number

Primary APN	`925-10003-120`
Alternative APN	`216181`

Interior

Stories	2 Stories
Building Area	2,077 sqft Living Area
1st Floor Area	1,226 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	4,851 sqft (0.111 acres)
Garage Type	Carport
Garage Area	430 sqft
Carport	Carport
Carport Area	430 sqft
Parking Spaces	2 Parking Spaces
Pool Area	360 sqft
Porch	Open Porch
Porch Area	250 sqft

Location & Zoning

Street Address	3809 N LOST CREEK LOOP
City	LAREDO
State	TX
Zip	78046-6022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 12 BLK 3 LOST CREEK
Legal Subdivision	LOST CREEK
Legal Block	3
Legal Lot Number	12
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO SOUTH-EL CENIZO
Census Block Group	3
Census Block	3001
Census Tract	1811

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	3809 N LOST CREEK LOOP, LAREDO, TX 78046-6022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Apr 7, 2021	Deed of Trust, Mortgage · FHA Mortgage GATEWAY FIRST BANK
Mar 10, 2020	Deed of Trust, Mortgage · FHA Mortgage GATEWAY FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2019
Deed Sale	Jul 12, 2019
Prior Sale	Apr 17, 2006
Deed Document Number	20191366002
Deed Book / Page	4630 / 129
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3809 N LOST CREEK LOOP, LAREDO, TX 78046-6022
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3809 N LOST CREEK LOOP, LAREDO, TX 78046-6022

Mortgage

Document Number	005402/412
Date	Jan 13, 2023
Book Page	5402/412
Instrument	1489217

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Mar 1, 2050

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3809 N LOST CREEK LOOP, LAREDO, TX 78046-6022
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3809 N LOST CREEK LOOP, LAREDO, TX 78046-6022

Mortgage

Document Number	4994/341
Date	Apr 7, 2021
Book Page	4994/341
Instrument	1424321

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	JENKS, OK 74037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Mar 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3809 N LOST CREEK LOOP, LAREDO, TX 78046-6022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4753/89
Date	Mar 10, 2020
Book Page	4753/89
Instrument	1386947

Lender

Name	GATEWAY FIRST BANK
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

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		$228,091 (+5.6%) Land $59,182 Building $168,909	$228,091 (-0.6%) Land $59,182 Building $168,909
2025	$1,093.00 (-11.21%) Homeowner's exemption	$215,986 (+5.55%)	$229,471 (+12.14%)
2024	$1,231.00 (+12.22%)
2023		$204,633 Land $35,849 Building $168,784	$204,633 Land $35,849 Building $168,784
2022	$1,097.00

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	1 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	0.01% 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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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

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