405 Michoacan Loop, Laredo, TX 78045 Property Records

Webb County property record for 405 Michoacan Loop, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,210 sqft · built 2012
Lot Size	0.201 acres (8,750 sqft)
Owner	Individual Name on Record
Last Sale	$397,600 (Nov 2021)
Tax Bill	$1,823 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Jun 2021 Document + 1 more
Flood Zone	Zone X (minimal risk)
APN	`989-68001-230`

Property Details

APN / Parcel Number

Primary APN	`989-68001-230`
Alternative APN	`395183`

Interior

Stories	1 Story
Building Area	2,210 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	2,210 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,750 sqft (0.201 acres)
Garage Type	Attached
Garage Area	590 sqft
Parking Spaces	2 Parking Spaces
Pool Area	544 sqft
Porch	Open Porch
Porch Area	390 sqft

Location & Zoning

Street Address	405 MICHOACAN LOOP
City	LAREDO
State	TX
Zip	78045-6660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SAN ISIDRO NORTHEAST, BLOCK 1, LOT 23, PHASE 4
Legal Subdivision	SAN ISIDRO NORTHEAST
Legal Phase	4
Legal Block	1
Legal Lot Number	23
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2061
Census Tract	1727

Owner

Source: Webb County records, as of October 20, 2025

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	405 MICHOACAN LOOP, LAREDO, TX 78045-6660
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Vendor's Lien, Transfer · Conventional Mortgage GEO MORTGAGE SERVICES INC
Jun 8, 2021
Aug 31, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2021 · Amount on Record
Deed Sale	Nov 3, 2021 · Amount on Record
Prior Sale	Jun 8, 2021
Deed Document Number	20211447565
Deed Book / Page	5146 / 71
Prior Transfer Date	Oct 29, 2021
Prior Transfer Doc	5146/71
Record Updated	Sep 20, 2026

November 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Nov 3, 2021
Property Address	405 MICHOACAN LOOP, LAREDO, TX 78045-6660
Document Number	5146/71
Book / Page	5146 / 71
Map Reference	VOL 28 PG 26-28
Instrument Date	Oct 29, 2021
Instrument	1447565
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1218 SHILOH DR, LAREDO, TX 78045-6253
Investor	Possibly a Property Investor

Mortgage

Document Number	1447566
Date	Nov 3, 2021
Instrument	1447566

Lender

Name	GEO MORTGAGE SERVICES INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

June 2021:

Jurisdiction	WEBB TX
Recording Date	Jun 8, 2021
Property Address	405 MICHOACAN LOOP, LAREDO, TX 78045-6660
Document Number	5039/875
Book / Page	5039 / 875
Map Reference	VOL 28 PG 26-28
Instrument Date	May 27, 2021
Instrument	1431519
Record Updated	Jun 21, 2021

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MICHOACAN LOOP, LAREDO, TX 78045-6660

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	405 MICHOACAN LOOP, LAREDO, TX 78045-6660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MICHOACAN LOOP, LAREDO, TX 78045-6660

Mortgage

Document Number	4854/217
Date	Aug 31, 2020
Book Page	4854/217
Instrument	1402716

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	83 Months
Due	Jul 1, 2027

Tax Assessment & Valuation

Source: Webb County assessment roll, as of October 20, 2025

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
2025		$361,348 (+10.19%) Land $132,563 Building $228,785	$361,348 (+10.19%) Land $132,563 Building $228,785
2024	$1,823.00 (-12.57%)
2023		$327,926 Land $114,800 Building $213,126	$327,926 Land $114,800 Building $213,126
2022	$2,085.00

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	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	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 300 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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