3818 Winrock Dr, Laredo, TX 78045 Property Records

Webb County property record for 3818 Winrock Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,151 sqft · built 2003
Lot Size	0.209 acres (9,100 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,775 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2019 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`985-11006-140`

Property Details

APN / Parcel Number

Primary APN	`985-11006-140`
Alternative APN	`264619`

Interior

Stories	2 Stories
Building Area	2,151 sqft Living Area
Gross Area	2,634 sqft
1st Floor Area	1,409 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	9,100 sqft (0.209 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	182 sqft

Location & Zoning

Street Address	3818 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 14, PHASE 5
Legal Subdivision	WINFIELD
Legal Phase	5
Legal Block	6
Legal Lot Number	14
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	2
Census Block	2006
Census Tract	1722

Owner

3818 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	3818 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 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 28, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAREDO FCU

Assessor's Deed Record

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3818 WINROCK DR, LAREDO, TX 78045-8183
Transaction Type	Mortgage
Record Updated	Mar 29, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005232/704
Date	Mar 15, 2022
Book Page	5232/704
Instrument	1461283

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2037

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	3818 WINROCK DR, LAREDO, TX 78045-8183
Transaction Type	Mortgage
Record Updated	Mar 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004557/230
Date	Feb 28, 2019
Book Page	4557/230
Instrument	1353416

Lender

Name	LAREDO FCU
Type	Credit Union
Address	LAREDO, TX 78041

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Mar 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 3818 Winrock Dr was $1,775 with exemptions applied, down 17.9% 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		$349,389 (-0.43%) Land $141,505 Building $207,884	$349,389 (-0.43%) Land $141,505 Building $207,884
2025	$1,775.00 (-17.94%) Homeowner's exemption	$350,888 Land $141,505 Building $209,383	$350,888 Land $141,505 Building $209,383
2024	$2,163.00
2023		$326,784 Land $136,773 Building $190,011	$326,784 Land $136,773 Building $190,011
2022	$2,063.00

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

Flood

FEMA maps place 3818 Winrock Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3818 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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