406 Saint James Dr, Laredo, TX 78041 Property Records

Webb County property record for 406 Saint James Dr, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	2,400 sqft · built 1984
Lot Size	0.264 acres (11,499 sqft)
Owner	Individual Name on Record
Last Sale	$395,705 (Dec 2024)
Tax Bill	$1,682 (2024)
Deeds & Mortgages	Dec 2024 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`945-00891-477`

Property Details

APN / Parcel Number

Primary APN	`945-00891-477`
Alternative APN	`221953`

Interior

Stories	1 Story
Building Area	2,400 sqft Living Area
Gross Area	3,000 sqft
1st Floor Area	2,400 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,499 sqft (0.264 acres)
Lot Dimensions	130 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Pool Area	679 sqft
Porch	Open Porch
Porch Area	138 sqft

Location & Zoning

Street Address	406 SAINT JAMES DR
City	LAREDO
State	TX
Zip	78041-6072
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 1477 BLK 89 DEL MAR 5-C
Legal Subdivision	DEL MAR SEC 5-C
Legal Block	89
Legal Lot Number	1477
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	3
Census Block	3004
Census Tract	1709

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	406 SAINT JAMES DR, LAREDO, TX 78041-6072
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2024	Vendor's Lien, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 13, 2021	Vendor's Lien, Transfer · Conventional Mortgage SECURITY SERVICE FCU
Jan 6, 2022	Vendor's Lien, Transfer · Conventional Mortgage SECURITY SERVICE FCU
May 18, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2024 · Amount on Record
Deed Sale	Dec 23, 2024 · Amount on Record
Prior Sale	Jan 6, 2022 · Amount on Record
Deed Document Number	20241546372
Deed Book / Page	5761 / 358
Prior Transfer Date	Dec 3, 2021
Prior Transfer Doc	005187/350
Record Updated	Sep 20, 2026

December 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Dec 23, 2024
Property Address	406 SAINT JAMES DR, LAREDO, TX 78041-6072
Document Number	005761/358
Book / Page	5761 / 358
Map Reference	VOL 3 PG 32
Instrument Date	Dec 20, 2024
Instrument	1546372
Transaction Type	Transfer
Record Updated	Nov 4, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SAINT JAMES DR, LAREDO, TX 78041-6072

Mortgage

Document Number	0001546373
Date	Dec 23, 2024
Instrument	1546373

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

December 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Dec 13, 2021
Property Address	406 SAINT JAMES DR, LAREDO, TX 78041-6072
Document Number	005170/747
Book / Page	5170 / 747
Map Reference	VOL 3 PG 32
Instrument Date	Dec 3, 2021
Instrument	1451541
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4020 LINARES CIR, 4020, LAREDO, TX 78045-8689

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SAINT JAMES DR, LAREDO, TX 78041-6072

Mortgage

Document Number	0001451542
Date	Dec 13, 2021
Instrument	1451542

Lender

Name	SECURITY SERVICE FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

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

January 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jan 6, 2022
Property Address	406 SAINT JAMES DR, LAREDO, TX 78041-6072
Document Number	005187/350
Book / Page	5187 / 350
Map Reference	VOL 3 PG 32
Instrument Date	Dec 3, 2021
Instrument	1453935
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4020 LINARES CIR, 4020, LAREDO, TX 78045-8689

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SAINT JAMES DR, LAREDO, TX 78041-6072

Mortgage

Document Number	0001453934
Date	Jan 6, 2022
Instrument	1453934

Lender

Name	SECURITY SERVICE FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WEBB TX
Recording Date	May 18, 2020
Property Address	406 SAINT JAMES DR, LAREDO, TX 78041-6072
Document Number	004784/365
Book / Page	4784 / 365
Map Reference	VOL 3 PG 32
Instrument Date	May 12, 2020
Instrument	1391987
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4020 LINARES CIR, LAREDO, TX 78045-8689

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		$339,532 (+8.85%) Land $149,257 Building $190,275	$339,532 (+8.85%) Land $149,257 Building $190,275
2024	$1,682.00 (-12.17%)
2023		$311,929 Land $137,298 Building $174,631	$311,929 Land $137,298 Building $174,631
2022	$1,915.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2007–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2017 · river or lake flooding

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	Not rated no burnable land 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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