511 Otero Dr, Laredo, TX 78045 Property Records

Webb County property record for 511 Otero Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,707 sqft · built 2017
Lot Size	0.14 acres (6,105 sqft)
Owner	2 Individual Names on Record
Last Sale	$327,262 (Aug 2026)
Tax Bill	$1,574 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2026 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`989-80007-250`

Property Details

APN / Parcel Number

Primary APN	`989-80007-250`
Alternative APN	`545007`

Interior

Stories	1 Story
Building Area	1,707 sqft Living Area
Gross Area	2,127 sqft
1st Floor Area	1,707 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,105 sqft (0.14 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	87 sqft

Location & Zoning

Street Address	511 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 25, PHASE 2
Legal Subdivision	SAN ISIDRO NORTHEAST LA CUESTA
Legal Phase	2
Legal Block	7
Legal Lot Number	25
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2030
Census Tract	1727

Owner

Source: Webb County records, as of September 10, 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	511 OTERO DR, LAREDO, TX 78045-6885
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed, Transfer · FHA Mortgage PRIME LENDING
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage PRIME LENDING
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES
Nov 18, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 30, 2022	Vendor's Lien, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 3, 2021	Vendor's Lien, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Aug 9, 2017	Special Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	May 6, 2024 · Amount on Record
Deed Document Number	20261594716
Deed Book / Page	6086 / 493
Prior Transfer Date	Jul 30, 2021
Prior Transfer Doc	005084/363
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBB TX
Recording Date	Aug 5, 2026
Property Address	511 OTERO DR, LAREDO, TX 78045-6885
Document Number	0001594716
Book / Page	6086 / 493
Instrument Date	Aug 3, 2026
Instrument	20261594716
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001594717,
Date	Aug 5, 2026
Instrument	20261594717

Lender

Name	PRIME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

Mortgage

Document Number	0001594718,
Date	Aug 5, 2026
Book Page	6086/520
Instrument	20261594718

Lender

Agreement

Amount	Amount Recorded

Interest

Rate	6.49%
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Recording Date	Sep 3, 2026
Property Address	511 OTERO DR, LAREDO, TX 78045-6885
Document Number	0001597218
Book / Page	6102 / 578
Instrument Date	Aug 3, 2026
Instrument	20261597218
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001597218,
Date	Sep 3, 2026
Book Page	6102/578
Instrument	20261597218

Lender

Name	PRIME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Recording Date	Sep 3, 2026
Property Address	511 OTERO DR, LAREDO, TX 78045-6885
Document Number	0001597219
Book / Page	6102 / 604
Instrument Date	Aug 3, 2026
Instrument	20261597219
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001597219,
Date	Sep 3, 2026
Book Page	6102/604
Instrument	20261597219

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	511 OTERO DR, LAREDO, TX 78045-6885
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005941/387
Date	Nov 18, 2025
Book Page	5941/387
Instrument	1573190

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Nov 30, 2022
Property Address	511 OTERO DR, LAREDO, TX 78045-6885
Document Number	005381/258
Book / Page	5381 / 258
Map Reference	VOL 33 PG 56&57
Instrument Date	Nov 29, 2022
Instrument	1485693
Transaction Type	Transfer
Record Updated	Dec 8, 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	511 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001485694
Date	Nov 30, 2022
Instrument	1485694

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

August 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Aug 3, 2021
Property Address	511 OTERO DR, LAREDO, TX 78045-6885
Document Number	005084/363
Book / Page	5084 / 363
Map Reference	VOL 33 PG 56&57
Instrument Date	Jul 30, 2021
Instrument	1437757
Transaction Type	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	511 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001437758
Date	Aug 3, 2021
Instrument	1437758

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

August 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WEBB TX
Recording Date	Aug 9, 2017
Property Address	511 OTERO DR, LAREDO, TX 78045-6885
Document Number	004283/256
Book / Page	4283 / 256
Map Reference	VOL 33 PG 56&57
Instrument Date	Aug 7, 2017
Instrument	1305070
Transaction Type	Transfer
Record Updated	Mar 1, 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	511 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001305071
Date	Aug 9, 2017
Instrument	1305071

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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		$309,791 (-0.44%) Land $94,322 Building $215,469	$309,791 (-0.44%) Land $94,322 Building $215,469
2025	$1,574.00 (-15.51%) Homeowner's exemption	$311,173 (+14.47%) Land $94,322 Building $216,851	$311,173 (+14.47%) Land $94,322 Building $216,851
2024	$1,863.00 (+17.1%)
2023		$271,844 Land $81,685 Building $190,159	$271,844 Land $81,685 Building $190,159
2022	$1,591.00

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	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

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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