422 Emerald Lake Dr, Laredo, TX 78041 Property Records

Webb County property record for 422 Emerald Lake Dr, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	3,487 sqft · built 2003
Lot Size	0.244 acres (10,641 sqft)
Owner	Individual Name on Record
Last Sale	$413,500 (Dec 2019)
Tax Bill	$3,117 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`991-20003-280`

Property Details

APN / Parcel Number

Primary APN	`991-20003-280`
Alternative APN	`263413`

Interior

Stories	2 Stories
Building Area	3,487 sqft Living Area
Gross Area	4,039 sqft
1st Floor Area	2,560 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	10,641 sqft (0.244 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Pool Area	7 sqft
Porch	Open Porch
Porch Area	1,023 sqft

Location & Zoning

Street Address	422 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 3, LOT 28, PHASE 8
Legal Subdivision	LAKESIDE
Legal Phase	8
Legal Block	3
Legal Lot Number	28
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2015
Census Tract	1714

Owner

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

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	422 EMERALD LAKE DR, LAREDO, TX 78041-1930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Vendor's Lien, Transfer · Commercial Mortgage COMMERCE BANK
Dec 26, 2019	Vendor's Lien, Transfer · Conventional Mortgage VANTAGE BANK TEXAS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Prior Sale	Jul 17, 2014 · Amount on Record
Deed Document Number	20191380309
Deed Book / Page	4713 / 602
Prior Transfer Date	Dec 20, 2019
Prior Transfer Doc	004713/602
Record Updated	Oct 29, 2026

February 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Feb 7, 2023
Property Address	422 EMERALD LAKE DR, LAREDO, TX 78041-1930
Document Number	005412/416
Book / Page	5412 / 416
Map Reference	VOL 1 PG 143
Instrument Date	Jan 31, 2023
Instrument	1491107
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3166, LAREDO, TX 78044-3166

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 EMERALD LAKE DR, LAREDO, TX 78041-1930

Mortgage

Document Number	0001491108
Date	Feb 7, 2023
Instrument	1491108

Lender

Name	COMMERCE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Dec 26, 2019
Property Address	422 EMERALD LAKE DR, LAREDO, TX 78041-1930
Document Number	004713/602
Book / Page	4713 / 602
Map Reference	VOL 21 PG 76
Instrument Date	Dec 20, 2019
Instrument	1380309
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2719 MAIN AVE APT 10, 10, LAREDO, TX 78040-2900

Mortgage

Document Number	0001380310
Date	Dec 26, 2019
Instrument	1380310

Lender

Name	VANTAGE BANK TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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		$612,833 (-0.53%) Land $178,130 Building $434,703	$612,833 (-0.53%) Land $178,130 Building $434,703
2025	$3,117.00 (-14.16%) Homeowner's exemption	$616,081 (+8.49%) Land $178,130 Building $437,951	$616,081 (+8.49%) Land $178,130 Building $437,951
2024	$3,631.00 (+12%)
2023		$567,867 Land $133,119 Building $434,748	$567,867 Land $133,119 Building $434,748
2022	$3,242.00

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	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

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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