522 Otero Dr, Laredo, TX 78045 Property Records

Webb County property record for 522 Otero Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,475 sqft · built 2018
Lot Size	0.153 acres (6,672 sqft)
Owner	Individual Name on File
Last Sale	$331,300 (Jul 2018)
Tax Bill	$2,005 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`989-80006-030`

Property Details

APN / Parcel Number

Primary APN	`989-80006-030`
Alternative APN	`544960`

Interior

Stories	2 Stories
Building Area	2,475 sqft Living Area
Gross Area	2,923 sqft
1st Floor Area	1,504 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,672 sqft (0.153 acres)
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft

Location & Zoning

Street Address	522 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 3, PHASE 2
Legal Subdivision	SAN ISIDRO NORTHEAST LA CUESTA
Legal Phase	2
Legal Block	6
Legal Lot Number	3
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2023
Census Tract	1727

Owner

522 Otero Dr is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Mailing Address	522 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.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Vendor's Lien, Transfer · Conventional Mortgage GEO MORTGAGE SERVICES INC
Jul 17, 2018	Vendor's Lien, Subdivision Related Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2018 · Amount on File
Deed Sale	Jul 17, 2018 · Amount on File
Deed Document Number	20181334407
Deed Book / Page	4448 / 830
Prior Transfer Date	Jul 13, 2018
Prior Transfer Doc	004448/830
Record Updated	Oct 29, 2026

January 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jan 4, 2023
Property Address	522 OTERO DR, LAREDO, TX 78045-6885
Document Number	005396/736
Book / Page	5396 / 736
Map Reference	VOL 33 PG 56&57
Instrument Date	Dec 29, 2022
Instrument	1488256
Transaction Type	Transfer
Record Updated	Jan 13, 2023
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	415 WINDMILL PALM DR, LAREDO, TX 78045-6817

Mortgage

Document Number	0001488257
Date	Jan 4, 2023
Instrument	1488257

Lender

Name	GEO MORTGAGE SERVICES INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

July 2018: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jul 17, 2018
Property Address	522 OTERO DR, LAREDO, TX 78045-6885
Document Number	004448/830
Book / Page	4448 / 830
Map Reference	VOL 33 PG 56&57
Instrument Date	Jul 13, 2018
Instrument	1334407
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	522 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001334408
Date	Jul 17, 2018
Instrument	1334408

Lender

Name	REPUBLIC STATE MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 522 Otero Dr was $2,005, down 16.2% 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		$394,341 (-0.47%) Land $102,749 Building $291,592	$394,341 (-0.47%) Land $102,749 Building $291,592
2025	$2,005.00 (-16.25%)	$396,199 Land $102,749 Building $293,450	$396,199 Land $102,749 Building $293,450
2024	$2,394.00
2023		$350,654 Land $88,938 Building $261,716	$350,654 Land $88,938 Building $261,716
2022	$2,034.00

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

Flood

FEMA maps place 522 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 522 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures