412 Lake Morraine Loop, Laredo, TX 78041 Property Records

Webb County property record for 412 Lake Morraine Loop, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	2,836 sqft · built 2016
Lot Size	0.23 acres (10,023 sqft)
Owner	Individual Name on File
Tax Bill	$3,286 (2024)
Deeds & Mortgages	May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`991-10018-390`

Property Details

APN / Parcel Number

Primary APN	`991-10018-390`
Alternative APN	`318529`

Interior

Stories	1 Story
Building Area	2,836 sqft Living Area
Gross Area	3,338 sqft
1st Floor Area	2,686 sqft
Utility Area	78 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2016
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Asphalt
Lot Area	10,023 sqft (0.23 acres)
Garage Type	Attached
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces
Pool Area	394 sqft
Porch	Open Porch
Porch Area	417 sqft

Location & Zoning

Account Number	318529
Old Parcel Number	99110018390
Street Address	412 LAKE MORRAINE LOOP
City	LAREDO
State	TX
Zip	78041-2001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE, BLOCK 18, LOT 39, PHASE 12
Legal Subdivision	LAKESIDE
Legal Phase	12
Legal Block	18
Legal Lot Number	39
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	3
Census Block	3016
Census Tract	1714

Owner

Source: Webb County records · APN 991-10018-390

Assessment roll updated July 25, 2025 · Last verified November 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 File
Mailing Address	412 LAKE MORRAINE LOOP, LAREDO, TX 78041-2001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 17, 2023
Deed Sale	May 17, 2023
Prior Sale	Jan 17, 2014
Deed Document Number	1500002
Deed Book / Page	5464 / 307
Record Updated	Jun 08, 2026

May 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	May 17, 2023
Property Address	412 LAKE MORRAINE LOOP, LAREDO, TX 78041-2001
Document Number	005464/307
Book / Page	5464 / 307
Map Reference	VOL 25 PG 9
Instrument Date	May 15, 2023
Instrument	1500002
Transaction Type	Transfer
Record Updated	Aug 09, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	COLINAS BLANCA NO 3110, 3110, OVERLAND, KS 66224

Mortgage

Document Number	0001500003
Date	May 17, 2023
Instrument	1500003

Lender

Name	INTERNATIONAL BANK OF COMMERCE
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jun 01, 2028
Change Frequency	6 Months
Min Rate At Change	6.37%
Max Rate At Change	8.37%
Max Rate	11.3%

Tax Assessment & Valuation

Source: Webb County records · Assessment roll updated July 25, 2025 · Last verified November 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$527,053 (+24.63%) Land $167,786 Building $359,267	$527,053 (+24.63%) Land $167,786 Building $359,267
2024	$3,286.00 (+47.82%)
2023		$422,884 (+28.93%) Land $125,388 Building $297,496	$422,884 (+28.93%) Land $125,388 Building $297,496
2022	$2,223.00 Homeowner's exemption	$328,000 Land $109,853 Building $218,147	$328,000 Land $109,853 Building $218,147

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	5 in force

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Based on FCC filings for 234 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF LAREDO serves 260,046 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.