495 Derby Dr, Lake Charles, LA 70615 Property Records

Calcasieu Parish property record for 495 Derby Dr, Lake Charles, LA 70615

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Tax Bill	$3,076 (2025)
Deeds & Mortgages	Feb 2020 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`01362868S`

Property Details

APN / Parcel Number

Primary APN	`01362868S`

Location & Zoning

Street Address	495 DERBY DR
City	LAKE CHARLES
State	LA
Zip	70615-4860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	@250908-3157- 0000008 0000 LOT 8 OPELOUSAS ACRES IMPS 22/RMS REF1-ASSESSED L D K REALTY INC ET AL-91 REF2-ASSESSED LKD REALTY
Legal Range	08
Legal Township	09
Legal Section	25
Legal Subdivision	SUBDIVISION
Legal Lot Number	8
Jurisdiction	CALCASIEU LA
Township / Civil Division	2
Census Block Group	4
Census Block	4014
Census Tract	1600

Owner

495 Derby Dr is owned and occupied by an individual.

Source: Calcasieu Parish records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	495 DERBY DR, LAKE CHARLES, LA 70615-4860
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
Feb 5, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK LOUISIANA
May 1, 2023	Deed of Trust, Mortgage · Line of Credit SOUTHWEST LOUISIANA CU
Jan 22, 2021	Deed, Transfer · Conventional Mortgage RELIANT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALCASIEU LA
Property Address	495 DERBY DR, LAKE CHARLES, LA 70615-4860
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	005473/409
Date	Feb 5, 2020
Book Page	5473/409
Instrument	3381342

Lender

Name	FIRST NATIONAL BANK LOUISIANA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALCASIEU LA
Property Address	495 DERBY DR, LAKE CHARLES, LA 70615-4860
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006071/786
Date	May 1, 2023
Book Page	6071/786
Instrument	3504482

Lender

Name	SOUTHWEST LOUISIANA CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALCASIEU LA
Recording Date	Jan 22, 2021
Property Address	495 DERBY DR, LAKE CHARLES, LA 70615-4860
Document Number	004418/179
Book / Page	4418 / 179
Map Reference	MB 40 PG 14
Instrument Date	Jan 22, 2021
Instrument	3413905
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	UNKNOWN, CYPRESS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1023 9TH AVE, LAKE CHARLES, LA 70601-4879

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 DERBY DR, LAKE CHARLES, LA 70615-4860

Mortgage

Document Number	34139065638524
Date	Jan 22, 2021
Instrument	34139065638524

Lender

Name	RELIANT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 495 Derby Dr was $3,076 with a homeowner's exemption, up 5% from the year before.

Source: Calcasieu Parish assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Louisiana
County	Calcasieu Parish
Unified School District	Calcasieu Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,076.00 (+5.02%) Homeowner's exemption	$30,630 (-) Land $1,740 Building $28,890	$306,300 (-) Land $17,400 Building $288,900
2024	$2,929.00 (-25.41%) Homeowner's exemption	$30,630 (-) Land $1,740 Building $28,890	$306,300 (-) Land $17,400 Building $288,900
2023	$3,927.00 (+0.38%)	$30,630 (-) Land $1,740 Building $28,890	$306,300 (-) Land $17,400 Building $288,900
2022	$3,912.00	$30,630 Land $1,740 Building $28,890	$306,300 Land $17,400 Building $288,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 495 Derby Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 1, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 73 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	90 (1979–2021)
Claims Outside the SFHA	30 of 90
Most Recent Claim	Aug 2021 · Hurricane Ida
Claims by Event	Hurricane Delta, Oct 2020 · 17 claims Hurricane Rita, Sep 2005 · 11 claims Tropical Storm Allison, Jul 1989 · 11 claims

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

Wildfire risk around 495 Derby Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 55% of Louisiana
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	CALCASIEU PARISH WW DISTRICT NO 5 serves 5,088 people · EPA ID LA1019084
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

495 Derby Dr, Lake Charles, LA 70615 Property Records

Property Summary

Property Details

APN / Parcel Number

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Derby Dr

Nearby Streets

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