Webb County property record for 520 Otero Dr, Laredo, TX 78045
| Property Type | Single Family Home |
|---|---|
| Details | 2,109 sqft · built 2016 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $905 (2025) |
| Deeds & Mortgages | May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 989-80006-040 |
| Primary APN | 989-80006-040 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,109 sqft Living Area |
| Gross Area | 2,506 sqft |
| 1st Floor Area | 2,109 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stucco |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,600 sqft (0.152 acres) |
| Garage Type | Attached |
| Garage Area | 397 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 342 sqft |
| Street Address | 520 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 6, LOT 4, PHASE 2, UNDIVIDED INTEREST PROPERTY - UDI: 50.000000% |
| Legal Subdivision | SAN ISIDRO NORTHEAST LA CUESTA |
| Legal Block | 6 |
| Legal Lot Number | 4 |
| Jurisdiction | WEBB TX |
| Township / Civil Division | LAREDO NORTH-WEBB |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 1727 |
520 Otero Dr is owned and occupied by two individuals.
Source: Webb County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 OTERO DR, LAREDO, TX 78045-6885 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | WEBB TX |
| Recording Date | May 29, 2018 |
| Property Address | 520 OTERO DR, LAREDO, TX 78045-6885 |
| Document Number | 004423/440 |
| Book / Page | 4423 / 440 |
| Map Reference | VOL 33 PG 56&57 |
| Instrument Date | May 24, 2018 |
| Instrument | 1330139 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 1, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 OTERO DR, LAREDO, TX 78045-6885 |
| Document Number | 0001330140 |
|---|---|
| Date | May 29, 2018 |
| Instrument | 1330140 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 520 Otero Dr was $905 with a homeowner's exemption.
Source: Webb County assessment roll, as of September 1, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Laredo City |
| County | Webb County |
| Unified School District | United Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $178,084 (-0.46%) Land $50,820 Building $127,264 | $178,084 (-0.46%) Land $50,820 Building $127,264 | |
| 2025 | $905.00 Homeowner's exemption | $178,904 Land $50,820 Building $128,084 | $178,904 Land $50,820 Building $128,084 |
| 2022 | $136,966 Land $38,280 Building $98,686 | $136,966 Land $38,280 Building $98,686 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 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 risk around 520 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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