431 General Franco, Laredo, TX 78046 Property Records

Webb County property record for 431 General Franco, Laredo, TX 78046

Property Summary

Property Type	Single Family Home
Details	1,622 sqft · built 2018
Lot Size	0.119 acres (5,170 sqft)
Owner	Individual Name on Record
Last Sale	$164,200 (Nov 2018)
Tax Bill	$1,059 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`964-51002-160`

Property Details

APN / Parcel Number

Primary APN	`964-51002-160`
Alternative APN	`256775`

Interior

Stories	1 Story
Building Area	1,622 sqft Living Area
1st Floor Area	1,622 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,170 sqft (0.119 acres)
Porch	Open Porch
Porch Area	214 sqft

Location & Zoning

Street Address	431 GENERAL FRANCO
City	LAREDO
State	TX
Zip	78046-8584
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SANTA RITA UNIT XI, BLOCK 2, LOT 16
Legal Subdivision	SANTA RITA UNIT XI
Legal Block	2
Legal Lot Number	16
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO SOUTH-EL CENIZO
Census Block Group	2
Census Block	2002
Census Tract	1819

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	431 GENERAL FRANCO, LAREDO, TX 78046-8584
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 1, 2018	Vendor's Lien, Transfer · FHA Mortgage INTERNATIONAL BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on Record
Deed Sale	Nov 1, 2018 · Amount on Record
Prior Sale	Nov 30, 2017
Deed Document Number	20181343845
Deed Book / Page	4501 / 763
Prior Transfer Date	Oct 29, 2018
Prior Transfer Doc	004501/763
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	431 GENERAL FRANCO, LAREDO, TX 78046-8584
Transaction Type	Mortgage
Record Updated	Dec 29, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 GENERAL FRANCO, LAREDO, TX 78046-8584

Mortgage

Document Number	005576/403
Date	Dec 18, 2023
Book Page	5576/403
Instrument	1517879

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	AUSTIN, TX 78758

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Nov 1, 2048

November 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Nov 1, 2018
Property Address	431 GENERAL FRANCO, LAREDO, TX 78046-8584
Document Number	004501/763
Book / Page	4501 / 763
Map Reference	VOL 20 PG 93
Instrument Date	Oct 29, 2018
Instrument	1343845
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 GENERAL FRANCO, LAREDO, TX 78046-8584

Mortgage

Document Number	0001343846
Date	Nov 1, 2018
Instrument	1343846

Lender

Name	INTERNATIONAL BANK OF COMMERCE
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

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		$219,561 (+4.84%) Land $47,099 Building $172,462	$219,561 (+4.84%) Land $47,099 Building $172,462
2025	$1,059.00 (-17.52%) Homeowner's exemption	$209,417 (+9.72%) Land $47,099 Building $162,318	$209,417 (+9.72%) Land $47,099 Building $162,318
2024	$1,284.00 (+12.93%)
2023		$190,866 Land $44,462 Building $146,404	$190,866 Land $44,462 Building $146,404
2022	$1,137.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond 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 502 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Smartcom Telephone.

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