525 Otero Dr, Laredo, TX 78045 Property Records

Webb County property record for 525 Otero Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,290 sqft · built 2017
Lot Size	0.14 acres (6,083 sqft)
Owner	2 Individual Names on File
Last Sale	$277,679 (Sep 2026)
Tax Bill	$1,847 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`989-80007-320`

Property Details

APN / Parcel Number

Primary APN	`989-80007-320`
Alternative APN	`545014`

Interior

Stories	2 Stories
Building Area	2,290 sqft Living Area
Gross Area	2,670 sqft
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,083 sqft (0.14 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	166 sqft

Location & Zoning

Street Address	525 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 32, PHASE 2
Legal Subdivision	SAN ISIDRO NORTHEAST LA CUESTA
Legal Phase	2
Legal Block	7
Legal Lot Number	32
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2030
Census Tract	1727

Owner

525 Otero Dr is owned and occupied by two individuals who bought it in September 2026.

Source: Webb County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	525 OTERO DR, LAREDO, TX 78045-6885
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 28, 2026	Special Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Dec 28, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 13, 2020	Deed of Trust, Mortgage · VA Mortgage SMI LENDING INC
Aug 17, 2022	Special Warranty Deed, Transfer
Mar 19, 2018	Vendor's Lien, Subdivision Related Transfer · VA Mortgage MORTGAGE CONNEXTIONS LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on File
Deed Sale	Sep 28, 2026 · Amount on File
Prior Sale	Aug 17, 2022 · Amount on File
Deed Document Number	20261599146
Deed Book / Page	6115 / 2
Prior Transfer Date	Mar 14, 2018
Prior Transfer Doc	004386/840
Record Updated	Oct 29, 2026

September 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WEBB TX
Recording Date	Sep 28, 2026
Property Address	525 OTERO DR, LAREDO, TX 78045-6885
Document Number	0001599146
Book / Page	6115 / 2
Instrument Date	Sep 21, 2026
Instrument	20261599146
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001599146,
Date	Sep 28, 2026
Book Page	6115/5
Instrument	20261599146

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	525 OTERO DR, LAREDO, TX 78045-6885
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004928/385
Date	Dec 28, 2020
Book Page	4928/385
Instrument	1414287

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	525 OTERO DR, LAREDO, TX 78045-6885
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004738/422
Date	Feb 13, 2020
Book Page	4738/422
Instrument	1384600

Lender

Name	SMI LENDING INC
Type	Lending Institution
Address	DALLAS, TX 75244

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WEBB TX
Recording Date	Aug 17, 2022
Property Address	525 OTERO DR, LAREDO, TX 78045-6885
Document Number	005330/257
Book / Page	5330 / 257
Map Reference	VOL 33 PG 56&57
Instrument Date	Aug 5, 2022
Instrument	1476916
Transaction Type	Transfer
Record Updated	Aug 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 OTERO DR, LAREDO, TX 78045-6885

March 2018: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Mar 19, 2018
Property Address	525 OTERO DR, LAREDO, TX 78045-6885
Document Number	004386/840
Book / Page	4386 / 840
Map Reference	VOL 33 PG 56&57
Instrument Date	Mar 14, 2018
Instrument	1323639
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 29, 2022
Title Company	NOT AVAILABLE, LAREDO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001323640
Date	Mar 19, 2018
Instrument	1323640

Lender

Name	MORTGAGE CONNEXTIONS LP
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 525 Otero Dr was $1,847, down 16.1% 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		$363,382 (-0.47%) Land $93,982 Building $269,400	$363,382 (-0.47%) Land $93,982 Building $269,400
2025	$1,847.00 (-16.08%) Homeowner's exemption	$365,108 Land $93,982 Building $271,126	$365,108 Land $93,982 Building $271,126
2024	$2,201.00
2023		$322,367 Land $81,391 Building $240,976	$322,367 Land $81,391 Building $240,976

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

Flood

FEMA maps place 525 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 525 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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