540 Gandara Dr, Laredo, TX 78043 Property Records

Webb County property record for 540 Gandara Dr, Laredo, TX 78043

Property Summary

Property Type	Single Family Home
Details	2,020 sqft · built 2007
Lot Size	0.117 acres (5,092 sqft)
Owner	Individual Name on Record
Last Sale	$205,300 (Jul 2021)
Tax Bill	$1,287 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`922-90003-120`

Property Details

APN / Parcel Number

Primary APN	`922-90003-120`
Alternative APN	`320923`

Interior

Stories	2 Stories
Building Area	2,020 sqft Living Area
Gross Area	2,420 sqft
1st Floor Area	810 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	5,092 sqft (0.117 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	260 sqft
Porch	Open Porch
Porch Area	226 sqft
Balcony Area	493 sqft

Location & Zoning

Street Address	540 GANDARA DR
City	LAREDO
State	TX
Zip	78043-4851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	VISTA NUEVA, BLOCK 3, LOT 12
Legal Subdivision	VISTA NUEVA
Legal Block	3
Legal Lot Number	12
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO SOUTH-EL CENIZO
Census Block Group	2
Census Block	2007
Census Tract	1825

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	540 GANDARA DR, LAREDO, TX 78043-4851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Vendor's Lien, Transfer · VA Mortgage VETERANS LAND BOARD OF THE STATE OF
Jul 26, 2021	Vendor's Lien, Transfer · VA Mortgage MORTGAGE FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Deed Document Number	20211436668
Deed Book / Page	5072 / 641
Prior Transfer Date	Jul 21, 2021
Prior Transfer Doc	005072/641
Record Updated	Oct 29, 2026

October 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Oct 4, 2023
Property Address	540 GANDARA DR, LAREDO, TX 78043-4851
Document Number	005541/777
Book / Page	5541 / 777
Map Reference	VOL 4 PG 42
Instrument Date	Oct 3, 2023
Instrument	1512145
Transaction Type	Transfer
Record Updated	Oct 17, 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
Address	305 ESPERANZA DR, LAREDO, TX 78041-2611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 GANDARA DR, LAREDO, TX 78043-4851

Mortgage

Document Number	0001512146
Date	Oct 4, 2023
Instrument	1512146

Lender

Name	VETERANS LAND BOARD OF THE STATE OF
Type	Government Agency
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

July 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jul 26, 2021
Property Address	540 GANDARA DR, LAREDO, TX 78043-4851
Document Number	005072/641
Book / Page	5072 / 641
Map Reference	VOL 25 PG 121
Instrument Date	Jul 21, 2021
Instrument	1436668
Transaction Type	Transfer
Record Updated	Oct 17, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 SEGOVIA DR, LAREDO, TX 78046-7439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 GANDARA DR, LAREDO, TX 78043-4851

Mortgage

Document Number	0001436669
Date	Jul 26, 2021
Instrument	1436669

Lender

Name	MORTGAGE FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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		$270,509 (+2.28%) Land $49,596 Building $220,913	$270,509 (-0.75%) Land $49,596 Building $220,913
2025	$1,287.00 (-14.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$264,475 (+28.76%)	$272,545 (+32.69%)
2024	$1,508.00 (+17.9%)
2023		$205,395 (+8.78%) Land $44,962 Building $160,433	$205,395 (+8.78%) Land $44,962 Building $160,433
2022	$1,279.00	$188,825 Land $44,962 Building $143,863	$188,825 Land $44,962 Building $143,863

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.02% 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Smartcom Telephone.

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