432 Emerald Lake Dr, Laredo, TX 78041 Property Records

Webb County property record for 432 Emerald Lake Dr, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	2,843 sqft · built 2003
Lot Size	0.228 acres (9,944 sqft)
Owner	Individual Name on Record
Tax Bill	$2,123 (2024)
Deeds & Mortgages	Dec 2021 Transfer Dec 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`991-20003-230`

Property Details

APN / Parcel Number

Primary APN	`991-20003-230`
Alternative APN	`263408`

Interior

Stories	2 Stories
Building Area	2,843 sqft Living Area
Gross Area	3,303 sqft
1st Floor Area	1,831 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	9,944 sqft (0.228 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	216 sqft

Location & Zoning

Street Address	432 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 23, PHASE 8
Legal Subdivision	LAKESIDE
Legal Phase	8
Legal Block	3
Legal Lot Number	23
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 October 20, 2025

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	432 EMERALD LAKE DR, LAREDO, TX 78041-1930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Affidavit of Death of Joint Tenant, Transfer
Dec 22, 2021	Gift Deed, Transfer
Jun 29, 2018	Vendor's Lien, Transfer · Conventional Mortgage INTERNATIONAL BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2024
Deed Sale	Jun 11, 2024
Prior Sale	Apr 29, 2021
Deed Document Number	20241531903
Deed Book / Page	5668 / 105
Prior Transfer Date	Oct 23, 2021
Prior Transfer Doc	005177/796
Record Updated	Sep 20, 2026

December 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WEBB TX
Recording Date	Dec 22, 2021
Property Address	432 EMERALD LAKE DR, LAREDO, TX 78041-1930
Document Number	005177/793
Book / Page	5177 / 793
Map Reference	VOL 21 PG 76
Instrument Date	Dec 22, 2021
Instrument	1452616
Transaction Type	Transfer
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 LILY LN, LAREDO, TX 78046-8577

December 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	WEBB TX
Recording Date	Dec 22, 2021
Property Address	432 EMERALD LAKE DR, LAREDO, TX 78041-1930
Document Number	005177/796
Book / Page	5177 / 796
Map Reference	DOC 133048
Instrument Date	Oct 23, 2021
Instrument	1452617
Transaction Type	Transfer
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 LILY LN, 312, LAREDO, TX 78046-8577

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 EMERALD LAKE DR, LAREDO, TX 78041-1930

June 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jun 29, 2018
Property Address	432 EMERALD LAKE DR, LAREDO, TX 78041-1930
Document Number	004441/258
Book / Page	4441 / 258
Map Reference	VOL 21 PG 86
Instrument Date	Jun 26, 2018
Instrument	1333047
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	LAREDO TITLE AND ABSTRACT LIMITED, LAREDO TITLE & ABSTRACT LTD

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 EMERALD LAKE DR, LAREDO, TX 78041-1930

Mortgage

Document Number	0001333048
Date	Jun 29, 2018
Instrument	1333048

Lender

Name	INTERNATIONAL BANK OF COMMERCE
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Webb County assessment roll, as of October 20, 2025

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
2025		$445,533 (+11.41%) Land $166,463 Building $279,070	$445,533 (+11.41%) Land $166,463 Building $279,070
2024	$2,123.00 (-9.39%)
2023		$399,915 Land $124,399 Building $275,516	$399,915 Land $124,399 Building $275,516
2022	$2,343.00

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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