8915 Southern Oaks Loop, Laredo, TX 78045 Property Records

Webb County property record for 8915 Southern Oaks Loop, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,756 sqft · built 2001
Lot Size	0.169 acres (7,350 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,646 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`986-00005-030`

Property Details

APN / Parcel Number

Primary APN	`986-00005-030`
Alternative APN	`241594`

Interior

Stories	1 Story
Building Area	1,756 sqft Living Area
Gross Area	2,196 sqft
1st Floor Area	1,756 sqft
Utility Area	144 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,350 sqft (0.169 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Pool Area	395 sqft
Porch	Open Porch
Porch Area	482 sqft

Location & Zoning

Street Address	8915 SOUTHERN OAKS LOOP
City	LAREDO
State	TX
Zip	78045-8039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 3 BLK 5 CROWN RIDGE III
Legal Subdivision	CROWNRIDGE
Legal Block	5
Legal Lot Number	3
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2004
Census Tract	1724

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	2 Individual Names on Record
Mailing Address	8915 SOUTHERN OAKS LOOP, LAREDO, TX 78045-8039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK N A
Aug 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Recording Date	Apr 20, 2026
Property Address	8915 SOUTHERN OAKS LOOP, LAREDO, TX 78045-8039
Document Number	0001585320
Book / Page	6023 / 746
Instrument Date	Apr 15, 2026
Instrument	20261585320
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8915 SOUTHERN OAKS LOOP, LAREDO, TX 78045-8039

Mortgage

Document Number	0001585320,
Date	Apr 20, 2026
Book Page	6023/746
Instrument	20261585320

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	8915 SOUTHERN OAKS LOOP, LAREDO, TX 78045-8039
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005322/128
Date	Aug 1, 2022
Book Page	5322/128
Instrument	1475439

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

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		$323,595 (-0.56%) Land $87,980 Building $235,615	$323,595 (-0.56%) Land $87,980 Building $235,615
2025	$1,646.00 (-11.46%) Homeowner's exemption	$325,404 (+15.97%) Land $87,980 Building $237,424	$325,404 (+15.97%) Land $87,980 Building $237,424
2024	$1,859.00 (+11.99%)
2023		$280,582 Land $82,541 Building $198,041	$280,582 Land $82,541 Building $198,041
2022	$1,660.00

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 · 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	2 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 595 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Smartcom Telephone, T-Mobile.

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