98 Orchard Ct, Laredo, TX 78045 Property Records

Webb County property record for 98 Orchard Ct, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,462 sqft · built 1997
Lot Size	0.148 acres (6,457 sqft)
Owner	2 Individual Names on Record
Tax Bill	$948 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2019 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`980-80003-230`

Property Details

APN / Parcel Number

Primary APN	`980-80003-230`
Alternative APN	`239645`

Interior

Stories	1 Story
Building Area	1,462 sqft Living Area
Gross Area	1,903 sqft
1st Floor Area	1,462 sqft

Exterior

Year Built	Built 1997
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,457 sqft (0.148 acres)
Lot Dimensions	123 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	137 sqft

Location & Zoning

Account Number	239645
Old Parcel Number	98080003230
Street Address	98 ORCHARD CT
City	LAREDO
State	TX
Zip	78045-7732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 BLK 3 TERRA HILLS III
Legal Subdivision	TERRA HILLS I, II, III, IV
Legal Block	3
Legal Lot Number	230
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	1
Census Block	1003
Census Tract	1720

Owner

Source: Webb County records, as of November 3, 2025

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	98 ORCHARD CT, LAREDO, TX 78045-7732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 25, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BBVA USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2003
Deed Sale	Jul 1, 2003
Deed Document Number	802906
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	98 ORCHARD CT, LAREDO, TX 78045-7732
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 ORCHARD CT, LAREDO, TX 78045-7732

Mortgage

Document Number	005259/687
Date	Apr 22, 2022
Book Page	5259/687
Instrument	1465542

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	98 ORCHARD CT, LAREDO, TX 78045-7732
Transaction Type	Mortgage
Record Updated	Aug 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4636/128
Date	Jul 25, 2019
Book Page	4636/128
Instrument	1367171

Lender

Name	BBVA USA
Type	Bank
Address	LAREDO, TX 78045

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Webb County assessment roll, as of July 25, 2025

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
2025		$227,712 (+10.12%) Land $77,871 Building $149,841	$227,712 (+10.12%) Land $77,871 Building $149,841
2024	$948.00 (-22.86%)
2023		$206,780 Land $73,093 Building $133,687	$206,780 Land $73,093 Building $133,687
2022	$1,229.00

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
Nearby Flood Claims	2 (2008–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2017 · rainfall accumulation

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	Not rated no burnable land 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 575 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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

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