431 Emerald Lake Dr, Laredo, TX 78041 Property Records

Webb County property record for 431 Emerald Lake Dr, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	3,894 sqft · built 2006
Lot Size	0.249 acres (10,823 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,065 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Mar 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`991-20006-050`

Property Details

APN / Parcel Number

Primary APN	`991-20006-050`
Alternative APN	`263425`

Interior

Stories	2 Stories
Building Area	3,894 sqft Living Area
1st Floor Area	2,495 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	10,823 sqft (0.249 acres)
Garage Type	Carport
Garage Area	483 sqft
Carport	Carport
Carport Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	754 sqft
Patio Area	317 sqft
Balcony Area	317 sqft

Location & Zoning

Street Address	431 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 6, LOT 5, PHASE 8
Legal Subdivision	LAKESIDE
Legal Phase	8
Legal Block	6
Legal Lot Number	5
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2011
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	2 Individual Names on Record
Mailing Address	431 EMERALD LAKE DR, LAREDO, TX 78041-1930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2017	Deed of Trust, Mortgage · Line of Credit QUICKEN LOANS INC
Mar 29, 2023	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	431 EMERALD LAKE DR, LAREDO, TX 78041-1930
Transaction Type	Mortgage
Record Updated	Apr 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004205/017
Date	Mar 20, 2017
Book Page	4205/017
Instrument	1291701

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	WEBB TX
Recording Date	Mar 29, 2023
Property Address	431 EMERALD LAKE DR, LAREDO, TX 78041-1930
Document Number	005438/728
Book / Page	5438 / 728
Map Reference	VOL 3 PG 10
Instrument Date	Mar 29, 2023
Instrument	1495728
Transaction Type	Transfer
Record Updated	Apr 11, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1404 WILDROSE LN, LAREDO, TX 78041-3310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 EMERALD LAKE DR, LAREDO, TX 78041-1930

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		$629,590 (+3.93%) Land $181,177 Building $448,413	$629,590 (+0.09%) Land $181,177 Building $448,413
2025	$3,065.00 (-11.29%) Homeowner's exemption	$605,801 (+1%)	$629,000 (+14.21%)
2024	$3,455.00 (+11.74%)
2023		$550,728 Land $135,396 Building $415,332	$550,728 Land $135,396 Building $415,332
2022	$3,092.00

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
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

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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