406 Emerald Lake Dr, Laredo, TX 78041 Property Records

Webb County property record for 406 Emerald Lake Dr, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	2,253 sqft · built 2000
Lot Size	0.22 acres (9,586 sqft)
Owner	2 Individual Names on File
Last Sale	$266,700 (May 2017)
Tax Bill	$1,885 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`991-00013-080`

Property Details

APN / Parcel Number

Primary APN	`991-00013-080`
Alternative APN	`247424`

Interior

Stories	1 Story
Building Area	2,253 sqft Living Area
Gross Area	2,737 sqft
1st Floor Area	2,253 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	9,586 sqft (0.22 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Area	420 sqft
Porch	Open Porch
Porch Area	418 sqft

Location & Zoning

Street Address	406 EMERALD LAKE DR
City	LAREDO
State	TX
Zip	78041-2002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKESIDE, BLOCK 13, LOT 8, PHASE 1
Legal Subdivision	LAKESIDE
Legal Phase	1
Legal Block	13
Legal Lot Number	8
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2004
Census Tract	1714

Owner

406 Emerald Lake Dr is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	406 EMERALD LAKE DR, LAREDO, TX 78041-2002
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
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage JAMES B NUTTER & CO
May 31, 2017	Warranty Deed, Transfer · FHA Mortgage JAMES B NUTTER & CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on File
Deed Sale	May 31, 2017 · Amount on File
Prior Sale	Sep 10, 2012 · Amount on File
Deed Document Number	20171298754
Deed Book / Page	4245 / 243
Last Transfer Date	Dec 11, 2020
Transfer Doc	004924/612
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	406 EMERALD LAKE DR, LAREDO, TX 78041-2002
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005161/285
Date	Nov 29, 2021
Book Page	5161/285
Instrument	1449991

Lender

Name	JAMES B NUTTER & CO
Type	Mortgage Company
Address	KANSAS CITY, MO 64111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBB TX
Recording Date	May 31, 2017
Property Address	406 EMERALD LAKE DR, LAREDO, TX 78041-2002
Document Number	004245/243
Book / Page	4245 / 243
Map Reference	VOL 18 PG 82&83
Instrument Date	May 30, 2017
Instrument	1298754
Transaction Type	Transfer
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 EMERALD LAKE DR, LAREDO, TX 78041-2002

Mortgage

Document Number	0001298755
Date	May 31, 2017
Instrument	1298755

Lender

Name	JAMES B NUTTER & CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 406 Emerald Lake Dr was $1,885 with a homeowner's exemption, up 3.4% 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		$383,599 (+2.94%) Land $160,475 Building $223,124	$383,599 (+2.94%) Land $160,475 Building $223,124
2025	$1,885.00 (+3.4%) Homeowner's exemption	$372,649 Land $160,475 Building $212,174	$372,649 Land $160,475 Building $212,174
2024	$1,823.00
2023		$326,500 Land $119,925 Building $206,575	$326,500 Land $119,925 Building $206,575
2022	$2,078.00

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

Flood

FEMA maps place 406 Emerald Lake Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	9 (1999–2017)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Sep 2017 · other causes

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 406 Emerald Lake 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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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