421 Emerald Lake Dr, Laredo, TX 78041 Property Records

Webb County property record for 421 Emerald Lake Dr, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	3,472 sqft · built 2005
Lot Size	0.286 acres (12,437 sqft)
Owner	2 Individual Names on File
Last Sale	$803,320 (Dec 2025)
Tax Bill	$3,213 (2025)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`991-00012-200`

Property Details

APN / Parcel Number

Primary APN	`991-00012-200`
Alternative APN	`256228`

Interior

Stories	2 Stories
Building Area	3,472 sqft Living Area
Gross Area	4,098 sqft
1st Floor Area	2,306 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	12,437 sqft (0.286 acres)
Garage Type	Attached
Garage Area	626 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	510 sqft
Porch	Open Porch
Porch Area	671 sqft
Patio Area	286 sqft
Balcony Area	286 sqft

Location & Zoning

Street Address	421 EMERALD LAKE DR
City	LAREDO
State	TX
Zip	78041-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKESIDE, BLOCK 12, LOT 20, PHASE 4
Legal Subdivision	LAKESIDE
Legal Phase	4
Legal Block	12
Legal Lot Number	20
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2001
Census Tract	1714

Owner

Source: Webb County records · APN 991-00012-200

Assessment roll updated October 20, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	421 EMERALD LAKE DR, LAREDO, TX 78041-1930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2025 · Amount on Record
Deed Sale	Dec 17, 2025 · Amount on Record
Prior Sale	Nov 23, 2021
Deed Document Number	20251575490
Deed Book / Page	5957 / 369
Record Updated	Sep 20, 2026

December 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Dec 17, 2025
Property Address	421 EMERALD LAKE DR, LAREDO, TX 78041-1930
Document Number	005957/369
Book / Page	5957 / 369
Map Reference	VOL 20 PG 59
Instrument Date	Dec 16, 2025
Instrument	1575490
Transaction Type	Transfer
Record Updated	Dec 26, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	62 FINCA LOOP, LAREDO, TX 78045-3405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 EMERALD LAKE DR, LAREDO, TX 78041-1930

Mortgage

Document Number	0001575491
Date	Dec 17, 2025
Instrument	1575491

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Tax Assessment & Valuation

Source: Webb County records · Assessment roll updated October 20, 2025 · Last verified July 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

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	$3,213.00 (-18.7%) Homeowner's exemption	$635,000 (+4.2%) Land $270,132 Building $364,868	$635,000 (+4.2%) Land $270,132 Building $364,868
2024	$3,952.00 (+10.39%)
2023		$609,422 Land $201,853 Building $407,569	$609,422 Land $201,853 Building $407,569
2022	$3,580.00

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
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

Wildfire

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 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 · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

Based on FCC filings for 413 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.