4312 Ramona Dr, Laredo, TX 78046 Property Records

Webb County property record for 4312 Ramona Dr, Laredo, TX 78046

Property Summary

Property Type	Single Family Home
Details	1,564 sqft · built 2019
Lot Size	0.08 acres (3,500 sqft)
Owner	Individual Name on File
Last Sale	$184,100 (Mar 2020)
Tax Bill	$1,132 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`953-05005-430`

Property Details

APN / Parcel Number

Primary APN	`953-05005-430`
Alternative APN	`599515`

Interior

Stories	2 Stories
Building Area	1,564 sqft Living Area
Gross Area	2,005 sqft
1st Floor Area	675 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	3,500 sqft (0.08 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	59 sqft

Location & Zoning

Street Address	4312 RAMONA DR
City	LAREDO
State	TX
Zip	78046-5044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUATRO VIENTOS SUR, BLOCK 5, LOT 43, PHASE IX
Legal Subdivision	CUATRO VIENTOS SUR
Legal Phase	IX
Legal Block	5
Legal Lot Number	43
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO SOUTH-EL CENIZO
Census Block Group	1
Census Block	1009
Census Tract	1806

Owner

4312 Ramona Dr is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4312 RAMONA DR, LAREDO, TX 78046-5044
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Apr 8, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 24, 2020	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2020 · Amount on File
Deed Sale	Mar 24, 2020 · Amount on File
Deed Document Number	20201388093
Deed Book / Page	4760 / 170
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	4312 RAMONA DR, LAREDO, TX 78046-5044
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 RAMONA DR, LAREDO, TX 78046-5044

Mortgage

Document Number	005925/488
Date	Oct 21, 2025
Book Page	5925/488
Instrument	1570837

Lender

Name	MIDFIRST BANK
Type	Bank
Address	501 NW GRAND BLVD, OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	294 Months
Due	Apr 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	4312 RAMONA DR, LAREDO, TX 78046-5044
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 RAMONA DR, LAREDO, TX 78046-5044

Mortgage

Document Number	005250/660
Date	Apr 8, 2022
Book Page	5250/660
Instrument	1464166

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Apr 1, 2050

March 2020: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Mar 24, 2020
Property Address	4312 RAMONA DR, LAREDO, TX 78046-5044
Document Number	004760/170
Book / Page	4760 / 170
Instrument	1388093
Transaction Type	Subdivision Related 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

Mortgage

Document Number	0001388094
Date	Mar 24, 2020
Instrument	1388094

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4312 Ramona Dr was $1,132 with a homeowner's exemption, up 3% from the year before.

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		$222,597 (-0.52%) Land $39,305 Building $183,292	$222,597 (-0.52%) Land $39,305 Building $183,292
2025	$1,132.00 (+3%) Homeowner's exemption	$223,757 Land $39,305 Building $184,452	$223,757 Land $39,305 Building $184,452
2024	$1,099.00
2023		$209,150 Land $22,925 Building $186,225	$209,150 Land $22,925 Building $186,225
2022	$1,290.00

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

Flood

FEMA maps place 4312 Ramona Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4312 Ramona Dr is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 85% of Texas
Wildfire Likelihood	0.04% 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 793 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Smartcom Telephone, Verizon.

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