401 Wye Oak, Laredo, TX 78043 Property Records

Webb County property record for 401 Wye Oak, Laredo, TX 78043

Property Summary

Property Type	Single Family Home
Details	1,503 sqft · built 2013
Lot Size	0.145 acres (6,314 sqft)
Owner	2 Individual Names on File
Last Sale	$163,200 (Sep 2014)
Tax Bill	$1,111 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`929-90008-010`

Property Details

APN / Parcel Number

Primary APN	`929-90008-010`
Alternative APN	`438049`

Interior

Stories	1 Story
Building Area	1,503 sqft Living Area
1st Floor Area	1,503 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,314 sqft (0.145 acres)
Porch	Open Porch
Porch Area	153 sqft

Location & Zoning

Street Address	401 WYE OAK
City	LAREDO
State	TX
Zip	78043-5136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	ROYAL OAKS, BLOCK 8, LOT 1, PHASE 2
Legal Subdivision	ROYAL OAKS
Legal Phase	2
Legal Block	8
Legal Lot Number	1
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO SOUTH-EL CENIZO
Census Block Group	2
Census Block	2000
Census Tract	1825

Owner

401 Wye Oak is owned and occupied by two individuals who bought it in September 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 WYE OAK, LAREDO, TX 78043-5136
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
Feb 3, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 20, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2014 · Amount on File
Deed Sale	Sep 22, 2014 · Amount on File
Prior Sale	Sep 12, 2012
Deed Document Number	20141212930
Deed Book / Page	3678 / 846
Prior Transfer Date	Sep 19, 2014
Prior Transfer Doc	003678/846
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	401 WYE OAK, LAREDO, TX 78043-5136
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 WYE OAK, LAREDO, TX 78043-5136

Mortgage

Document Number	004950/779
Date	Feb 3, 2021
Book Page	4950/779
Instrument	1417835

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	284 Months
Due	Oct 1, 2044

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	401 WYE OAK, LAREDO, TX 78043-5136
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005114/562
Date	Sep 20, 2021
Book Page	5114/562
Instrument	1442632

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 401 Wye Oak was $1,111 with a homeowner's exemption, down 17.5% 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		$218,201 (-0.64%) Land $60,109 Building $158,092	$218,201 (-0.64%) Land $60,109 Building $158,092
2025	$1,111.00 (-17.46%) Homeowner's exemption	$219,598 Land $60,109 Building $159,489	$219,598 Land $60,109 Building $159,489
2024	$1,346.00
2023		$196,159 Land $54,490 Building $141,669	$196,159 Land $54,490 Building $141,669
2022	$1,228.00

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

Flood

FEMA maps place 401 Wye Oak in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 401 Wye Oak 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 633 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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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