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520 Journey Loop, Laredo, TX, 78045

3beds
3baths
2,000sqft
$464,000
$232price/sqft
$3,080/moest. monthly cost
$123,200/yrincome needed

About This Home

Be the first to design and build your dream home from the ground up, with flexible floor plans ranging from 1700 to 3,150 square feet. Built by JMG Homes, renowned for their attention to detail and exceptional craftsmanship, this property offers the opportunity to customize with one-of-a-kind finishes, a gorgeous kitchen, elegant tile flooring throughout, and your unique thoughtful design elements that will truly set it apart. Your chance to create the home you've always wanted.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

9/10
8/10
Elias Herrera MiddleGrades 6-82.6 mi
7/10
United High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Composition Shingle,New
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: None,Electric Water Heater
  • Laundry features: Washer and Dryer Hookups

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Large Master Bedroom,Walk-In Closet(s)
  • Flooring: Tile
  • Attic: Access Only

Heating & Cooling

  • Heating features: Central Electric
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 2,000 sqft

Kitchen

  • Features: Kitchen Island,Quartz

Property

Details

  • Parcel number: 801638

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear,Side
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: None
  • Topography of land: Level

Lot

  • Lot size: 5,290 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,No Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Hail
Inland Flooding
Winter Weather

FEMA Declared Disasters Across Texas Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,346$28,152
Home Insurance *$272$3,264
Property Taxes $224$2,688
Electricity $238$2,859
Total$3,080$36,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,600/yr
40% on housing$92,400/yr
45% on housing$82,133/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$232This listing

vs Other Active Listings

Avg $/sqft

ZIP 78045$150
Webb County$127

vs Homes Sold Last Month

Median $/sqft

ZIP 78045$165
Webb County$153

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-10-29Listed for sale$464,000

For Sale by Agent

AgentCindy Cantu
BrokerageColdwell Banker Ana Ochoa & Co

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