4515 Emma Ln, Laredo, TX 78046 Property Records

Webb County property record for 4515 Emma Ln, Laredo, TX 78046

Property Summary

Property Type	Single Family Home
Details	2,100 sqft · built 2019
Lot Size	0.112 acres (4,870 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Nov 2019)
Tax Bill	$1,369 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`953-04003-080`

Property Details

APN / Parcel Number

Primary APN	`953-04003-080`
Alternative APN	`599492`

Interior

Stories	2 Stories
Building Area	2,100 sqft Living Area
1st Floor Area	1,234 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	4,870 sqft (0.112 acres)
Porch	Open Porch
Porch Area	624 sqft

Location & Zoning

Street Address	4515 EMMA LN
City	LAREDO
State	TX
Zip	78046-6769
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUATRO VIENTOS SUR, BLOCK 3, LOT 8, PHASE XI
Legal Subdivision	CUATRO VIENTOS SUR
Legal Phase	XI
Legal Block	3
Legal Lot Number	8
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO SOUTH-EL CENIZO
Census Block Group	1
Census Block	1020
Census Tract	1806

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	4515 EMMA LN, LAREDO, TX 78046-6769
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2020	Deed of Trust, Mortgage · FHA Mortgage SFMC LP
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage SFMC LP
Nov 27, 2019	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage SFMC LP
Aug 1, 2019	Vendor's Lien, Transfer · Construction Mortgage FALCON INTERNATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Aug 1, 2019 · Amount on Record
Deed Document Number	20191378233
Deed Book / Page	4701 / 627
Prior Transfer Date	Nov 25, 2019
Prior Transfer Doc	004701/627
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	4515 EMMA LN, LAREDO, TX 78046-6769
Transaction Type	Mortgage
Record Updated	Jan 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004753/467
Date	Mar 11, 2020
Book Page	4753/467
Instrument	1387010

Lender

Name	SFMC LP
Type	Mortgage Company
Address	MCKINNEY, TX 75070

Agreement

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

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	4515 EMMA LN, LAREDO, TX 78046-6769
Transaction Type	Mortgage
Record Updated	Jan 12, 2023
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005181/44
Date	Dec 28, 2021
Book Page	5181/44
Instrument	1453096

Lender

Name	SFMC LP
Type	Mortgage Company
Address	MCKINNEY, TX 75070

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

November 2019: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Nov 27, 2019
Property Address	4515 EMMA LN, LAREDO, TX 78046-6769
Document Number	004701/627
Book / Page	4701 / 627
Map Reference	VOL 36 PG 78&79
Instrument Date	Nov 25, 2019
Instrument	1378233
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 12, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4515 EMMA LANE, LAREDO, TX 78046-6769

Mortgage

Document Number	0001378234
Date	Nov 27, 2019
Instrument	1378234

Lender

Name	SFMC LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Aug 1, 2019
Property Address	4515 EMMA LN, LAREDO, TX 78046-6769
Document Number	004639/606
Book / Page	4639 / 606
Map Reference	VOL 36 PG 78&79
Instrument Date	Jul 26, 2019
Instrument	1367727
Transaction Type	Transfer
Record Updated	Jan 12, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3301 CHACOTA ST # ST23B, ST23B, LAREDO, TX 78046-7000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 SALTILLO ST, LAREDO, TX 78046-7002
Investor	Possibly a Property Investor

Mortgage

Document Number	0001367728
Date	Aug 1, 2019
Instrument	1367728

Lender

Name	FALCON INTERNATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	8 Months
Due	Apr 26, 2020

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		$274,918 (+1.62%) Land $53,765 Building $221,153	$274,918 (-0.51%) Land $53,765 Building $221,153
2025	$1,369.00 (-16.32%) Homeowner's exemption	$270,533 (+8.13%)	$276,340 (+10.46%)
2024	$1,636.00 (+11.75%)
2023		$250,182 Land $31,363 Building $218,819	$250,182 Land $31,363 Building $218,819
2022	$1,464.00

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 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: AT&T, Verizon.

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