526 Otero Dr, Laredo, TX 78045 Property Records

Webb County property record for 526 Otero Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,378 sqft · built 2017
Lot Size	0.164 acres (7,160 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (Oct 2017)
Tax Bill	$2,117 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`989-80006-010`

Property Details

APN / Parcel Number

Primary APN	`989-80006-010`
Alternative APN	`544958`

Interior

Stories	2 Stories
Building Area	2,378 sqft Living Area
Gross Area	2,758 sqft
1st Floor Area	1,139 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,160 sqft (0.164 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	1,028 sqft
Balcony Area	96 sqft

Location & Zoning

Street Address	526 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 1, PHASE 2
Legal Subdivision	SAN ISIDRO NORTHEAST LA CUESTA
Legal Phase	2
Legal Block	6
Legal Lot Number	1
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2023
Census Tract	1727

Owner

526 Otero Dr is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	526 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
Jul 5, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 11, 2017	Vendor's Lien, Subdivision Related Transfer · ARM HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2017 · Amount on File
Deed Sale	Oct 11, 2017 · Amount on File
Deed Document Number	20171310207
Deed Book / Page	4312 / 1454
Prior Transfer Date	Oct 10, 2017
Prior Transfer Doc	04312/1454
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	526 OTERO DR, LAREDO, TX 78045-6885
Transaction Type	Mortgage
Record Updated	Jul 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	005492/352
Date	Jul 5, 2023
Book Page	5492/352
Instrument	1504186

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	526 OTERO DR, LAREDO, TX 78045-6885
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005221/415
Date	Feb 25, 2022
Book Page	5221/415
Instrument	1459445

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

October 2017: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Oct 11, 2017
Property Address	526 OTERO DR, LAREDO, TX 78045-6885
Document Number	04312/1454
Book / Page	4312 / 1454
Map Reference	VOL 33 PG 56&57
Instrument Date	Oct 10, 2017
Instrument	1310207
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	526 OTERO DR, LAREDO, TX 78045-6885

Mortgage

Document Number	0001310208
Date	Oct 11, 2017
Instrument	1310208

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	10.3%
Index	1-Year LIBOR
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 526 Otero Dr was $2,117 with a homeowner's exemption, down 11.3% 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		$418,036 (-0.09%) Land $109,834 Building $308,202	$418,036 (-0.48%) Land $109,834 Building $308,202
2025	$2,117.00 (-11.27%) Homeowner's exemption	$418,423	$420,055
2024	$2,386.00
2023		$370,975 Land $95,085 Building $275,890	$370,975 Land $95,085 Building $275,890
2022	$2,130.00

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

Flood

FEMA maps place 526 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 526 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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