503 Otero Dr, Laredo, TX 78045 Property Records

Webb County property record for 503 Otero Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,093 sqft · built 2017
Lot Size	0.14 acres (6,105 sqft)
Owner	2 Individual Names on File
Last Sale	$232,690 (Aug 2024)
Tax Bill	$1,764 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`989-80007-210`

Property Details

APN / Parcel Number

Primary APN	`989-80007-210`
Alternative APN	`545003`

Interior

Stories	1 Story
Building Area	2,093 sqft Living Area
Gross Area	2,493 sqft
1st Floor Area	2,093 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,105 sqft (0.14 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	164 sqft

Location & Zoning

Street Address	503 OTERO DR
City	LAREDO
State	TX
Zip	78045-6885
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAN ISIDRO NORTHEAST LA CUESTA, BLOCK 7, LOT 21, PHASE 2
Legal Subdivision	SAN ISIDRO NORTHEAST LA CUESTA
Legal Phase	2
Legal Block	7
Legal Lot Number	21
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2030
Census Tract	1727

Owner

503 Otero Dr is owned and occupied by two individuals who bought it in August 2024.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	503 OTERO DR, LAREDO, TX 78045-6885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2020	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Feb 16, 2018	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage SOUTHWEST FUNDING LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2024 · Amount on File
Deed Sale	Aug 7, 2024 · Amount on File
Prior Sale	Feb 16, 2018 · Amount on File
Deed Document Number	20241536434
Deed Book / Page	5697 / 865
Prior Transfer Date	Feb 12, 2018
Prior Transfer Doc	004371/733
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	503 OTERO DR, LAREDO, TX 78045-6885
Transaction Type	Mortgage
Record Updated	Mar 1, 2022
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004803/483
Date	Jun 17, 2020
Book Page	4803/483
Instrument	1394997

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

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

February 2018: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Feb 16, 2018
Property Address	503 OTERO DR, LAREDO, TX 78045-6885
Document Number	004371/733
Book / Page	4371 / 733
Map Reference	VOL 33 PG 56-57
Instrument Date	Feb 12, 2018
Instrument	1320808
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
Address	503 OTERO DR, LAREDO, TX 78045-6885
Investor	Possibly a Property Investor

Mortgage

Document Number	0001320809
Date	Feb 16, 2018
Instrument	1320809

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 503 Otero Dr was $1,764 with a homeowner's exemption, down 12% 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		$340,000 (-2.46%) Land $94,322 Building $245,678	$340,000 (-2.46%) Land $94,322 Building $245,678
2025	$1,764.00 (-11.98%)	$348,583 Land $94,322 Building $254,261	$348,583 Land $94,322 Building $254,261
2024	$2,004.00
2023		$305,952 Land $81,685 Building $224,267	$305,952 Land $81,685 Building $224,267
2022	$1,789.00

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

Flood

FEMA maps place 503 Otero Dr in Zone X, an area of minimal flood risk.

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	1 in force

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 503 Otero 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	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 436 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Otero Dr

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