Sell Your Land Note in Webb County, Texas — Complete Guide

Webb County sits at the southern tip of Texas along the Mexican border, centered on the city of Laredo — one of the most important international trade gateways in the Western Hemisphere. If you hold a promissory note secured by land in Webb County, you own a financial asset backed by property in a market that is fundamentally different from the suburban growth corridors of Dallas, Houston, or Austin. Webb County's real estate market is shaped by international trade, border economics, a predominantly Hispanic cultural identity, and a geographic position that makes Laredo the largest inland port on the U.S.-Mexico border. The decision to sell your land note in Webb County, Texas can convert years of monthly payments into a lump sum of cash today, and understanding the county's unique market dynamics will help you get the most favorable return on your asset.

Laredo dominates Webb County both economically and demographically. The city is home to more than 260,000 of the county's approximately 280,000 residents, and its economy revolves around the massive flow of goods that crosses the international bridges connecting Laredo to its sister city, Nuevo Laredo, Mexico. More international trade crosses through Laredo than through any other port of entry on the U.S.-Mexico border, and the logistics, warehousing, customs brokerage, and transportation industries that support that trade form the backbone of the local economy. Beyond trade, Webb County's economy includes healthcare, education anchored by Texas A&M International University, government services, and a growing retail sector that serves both local residents and Mexican shoppers who cross the border to purchase goods in the United States.

Whether your note is backed by a residential lot in one of Laredo's established neighborhoods, a commercial parcel along the Interstate 35 corridor, or rural ranchland in the brush country outside the city, this guide will walk you through every aspect of selling your land note in Webb County, Texas so you can make an informed decision and move forward with confidence.

Webb County's Real Estate Market — Border Economics and Land Values

Webb County's real estate market operates according to dynamics that are distinct from the major metropolitan areas of Texas. Understanding these dynamics is essential for note holders who want to anticipate how a buyer will evaluate their deal and what kind of offer to expect.

International Trade as an Economic Engine

The Port of Laredo is the single most important economic driver in Webb County. Billions of dollars worth of goods — including automobiles, electronics, produce, petroleum products, and manufactured goods — cross through Laredo's international bridges every year, making it the busiest inland port in the United States. This trade flow supports a vast logistics infrastructure that includes trucking companies, freight brokers, customs brokers, warehousing operations, and the associated support services. The World Trade Bridge, the Laredo-Colombia Solidarity Bridge, and the other international crossings generate economic activity that ripples throughout the county, creating jobs, supporting property values, and driving demand for both commercial and residential land. For note holders, this trade-driven economy provides a foundation of demand that is unique to Webb County and that gives note buyers a degree of confidence in the long-term viability of the local real estate market.

Population Growth and Housing Demand

Webb County has experienced steady population growth over the past two decades, driven by natural population increase, immigration, and the ongoing expansion of the trade and logistics sector. Laredo's population has grown from approximately 176,000 in 2000 to more than 260,000 today, an increase of roughly 50% that has driven significant demand for housing and land. New residential developments have appeared on the city's north side, along the Highway 83 corridor, and in the rapidly growing area around the Mines Road industrial and commercial district. This growth has pushed property values upward, though Laredo's housing market remains significantly more affordable than the major Texas metros, which means that note balances and property values in Webb County tend to be lower in absolute terms. For note buyers, this affordability can be a positive factor because it means lower dollar amounts at risk, but it also means that the typical note in Webb County may be smaller than notes in more expensive markets.

The Border Factor

Webb County's position on the international border introduces considerations that don't exist in inland Texas counties. The border economy creates unique opportunities — cross-border shopping, maquiladora-related employment, and the logistics industry — but it also carries perceptions of risk related to border security, immigration policy, and the potential for disruptions to trade flows. Note buyers evaluating Webb County properties will consider these factors as part of their overall risk assessment. In practice, Laredo has a stable and well-established economy that has weathered multiple trade policy changes and border security fluctuations over the decades, and experienced buyers understand that the border dynamic is a feature of the market rather than a disqualifying factor. Being prepared to discuss the specific economic strengths of your property's location can help reassure buyers who may be less familiar with the Webb County market.

How to Sell Your Land Note in Webb County, Texas

The process of selling a land note in Webb County follows the same fundamental steps as selling a note anywhere in Texas, though some aspects of the transaction may require additional attention due to the county's unique market characteristics.

Assemble Your Documentation

Begin by gathering all documents related to your note, including the original promissory note, the deed of trust recorded with the Webb County Clerk, a detailed payment history, the title insurance policy, and any amendments or modifications. For Webb County properties, it may also be helpful to have a recent property tax statement, information about the property's zoning and permitted uses, and any documentation related to the property's proximity to commercial or industrial corridors. Complete documentation speeds up the evaluation process and gives the buyer confidence in the quality of the asset. For a comprehensive checklist of what you'll need, review this resource on documents needed to sell a land note in Texas.

Request a Cash Offer from an Experienced Buyer

Contact a note buyer who has experience purchasing notes across all of Texas, including the border region. Share the key financial details of your note along with property information, and request a cash offer. A reputable buyer will provide a preliminary offer within 24 hours. For Webb County notes, it is particularly important to work with a buyer who understands the nuances of the border economy and can accurately assess property values in a market that operates differently from the major metros. A buyer who is unfamiliar with Webb County may either undervalue the note due to perceived border risk or may be unable to complete due diligence efficiently because they lack knowledge of the local title infrastructure and property markets.

Due Diligence in the Border Region

The due diligence process for Webb County notes is similar to that for notes in other Texas counties — title search, payment verification, and property valuation — but there are some nuances worth noting. Title searches in Webb County may reveal Spanish colonial land grants or other historical title elements that require careful review by an experienced title examiner. Property valuations may require familiarity with the Laredo market's unique pricing patterns, which are influenced by the border economy and may not follow the same trends as inland Texas markets. An experienced buyer will have relationships with title companies and appraisers who understand the Webb County landscape and can navigate these nuances efficiently. The due diligence phase typically takes one to three weeks, depending on the complexity of the title and the availability of comparable sales data.

Closing and Receiving Your Cash

After due diligence is complete, the transaction proceeds to closing in the standard manner. A title company prepares the assignment documents, you sign them, the buyer wires the purchase price, and the assignment is recorded with the Webb County Clerk. The total timeline from initial contact to funding is typically two to five weeks for Webb County notes. Working with a buyer who has experience in the border region can help keep the timeline on track by avoiding the delays that can occur when an unfamiliar buyer encounters title or valuation issues unique to the area.

Factors That Determine the Value of Your Webb County Land Note

The price a buyer will offer for your Webb County note depends on the same core factors that drive valuation everywhere — interest rate, payment history, LTV ratio, and remaining term — along with additional considerations specific to the Webb County market.

Interest Rate and Note Terms

The interest rate on your note remains one of the most important factors in the valuation, regardless of where the property is located. Higher rates generate better returns for buyers, which translates into higher purchase prices for sellers. Webb County notes often carry interest rates that are somewhat higher than notes in the major metros, reflecting the higher risk perception associated with the border market. This can actually work in your favor when selling, because the higher rate produces a yield that is attractive to note buyers and can partially offset the wider discount that may be applied for location-related risk. Standard amortizing structures are preferred, and notes with shorter remaining terms will generally receive better offers because they reduce the buyer's long-term exposure.

Borrower Payment History

A consistent payment history is equally important in Webb County as in any other Texas county, and a well-seasoned note with 24 or more months of on-time payments will command a premium. For Webb County notes, the borrower's payment reliability may carry even more weight in the buyer's evaluation because it provides tangible evidence that the borrower is financially stable and committed to the property, which helps offset any broader market risk the buyer perceives. If your borrower has maintained a strong payment record, emphasize this when presenting the note to potential buyers.

Property Value and the Laredo Market

Property values in Webb County are generally lower than in the major Texas metros, which means that note balances tend to be smaller and the absolute dollar amounts in question are more modest. The loan-to-value ratio remains a critical factor — a note with a low LTV provides the buyer with adequate collateral protection regardless of the absolute property value. In Laredo, property values are influenced by the trade economy, population growth, proximity to commercial corridors, and the specific neighborhood or sub-market where the property is located. The north side of Laredo, where newer development has concentrated, generally commands higher values than older neighborhoods closer to the border. Commercial properties along the Interstate 35 and Mines Road corridors can be particularly valuable due to their strategic location for trade-related businesses.

Market Liquidity Considerations

One factor that differentiates Webb County from the major metro markets is liquidity — the ease with which a property can be sold in a foreclosure scenario. In Houston, Dallas, Austin, or San Antonio, there is a deep pool of potential property buyers that ensures a relatively quick sale even in a distressed situation. In Webb County, the buyer pool is more limited, which means that a foreclosure sale might take longer and the sale price might be less certain. Note buyers factor this liquidity risk into their pricing, and it can result in a somewhat larger discount compared to notes backed by property in more liquid markets. However, Laredo's steady population growth and the consistent demand driven by the trade economy do provide a reasonable level of liquidity, particularly for well-located residential and commercial properties within the city limits.

Webb County Sub-Markets and Their Impact on Your Note

While Laredo dominates Webb County, the city itself contains several distinct sub-markets, and the rural areas outside the city present a different set of considerations entirely.

North Laredo — The Growth Corridor

The north side of Laredo has been the primary focus of new residential and commercial development over the past two decades. New subdivisions, shopping centers, medical facilities, and schools have transformed this area from open ranchland into a thriving suburban landscape. The area along Highway 83 (McPherson Road) and the northern extension of Interstate 35 has seen particularly strong growth, with major retailers, restaurants, and service businesses establishing presences along these corridors. Property values in north Laredo are among the highest in the county, and notes backed by property in this sub-market are the most attractive to note buyers because the collateral is in a growing, well-established area with strong demand and good comparable sales data.

Central and South Laredo — Established but Different

The central and southern portions of Laredo are older, more densely built, and closer to the international bridges. These areas include a mix of residential neighborhoods, commercial districts, and properties that serve the cross-border economy. Property values here tend to be lower than on the north side, reflecting the older building stock and the different character of the neighborhoods. However, some areas near the border have significant commercial value due to their proximity to the international crossings and the foot traffic generated by cross-border shoppers. Notes backed by property in central or south Laredo are sellable, though the discount will generally be larger than for north Laredo properties. The specific location within these areas matters significantly — a commercial parcel near one of the bridges may be valued quite differently from a residential lot in an older neighborhood several blocks away.

The Mines Road Industrial Corridor

Mines Road, running west from Laredo toward the Colombia Solidarity Bridge, has become one of the most important commercial and industrial corridors in Webb County. The road is lined with warehouses, distribution centers, customs brokerages, trucking terminals, and other trade-related businesses that serve the massive flow of goods crossing the border. Commercial properties along Mines Road can be quite valuable due to their strategic location and the strong demand from logistics companies. If your note is backed by a commercial or industrial parcel along or near Mines Road, the trade-driven demand for this type of property can support a favorable valuation. However, commercial and industrial notes are evaluated differently from residential notes, with additional attention to factors like lease status, zoning, environmental conditions, and the property's functionality for its intended commercial use.

Rural Webb County — Ranchland and Brush Country

Outside of Laredo, Webb County is predominantly rural brush country — vast stretches of semi-arid ranchland characterized by mesquite, prickly pear, and the native vegetation of the South Texas plains. This land is used primarily for cattle ranching, hunting (particularly for white-tailed deer and dove), and oil and gas production. Property values for rural Webb County land are modest compared to urban Laredo, and the market for these properties is specialized, appealing primarily to ranchers, hunters, and mineral rights investors. Notes backed by rural Webb County land can be sold, but the discount will typically be larger than for urban or suburban property due to the lower values, limited liquidity, and the specialized nature of the market. If your rural property has mineral rights, active oil or gas production, or a reputation as a quality hunting property, these features can enhance the collateral value and support a better offer.

Why Webb County Note Holders Choose to Sell

Note holders in Webb County sell their notes for many of the same reasons as note holders elsewhere in Texas, but a few motivations are particularly common in this market.

Accessing Liquidity in a Less Liquid Market

One of the realities of holding a note in Webb County is that the market is less liquid than the major Texas metros. If you need cash quickly — for an investment, an emergency, a business opportunity, or any other reason — selling the note is often the fastest and most efficient way to access it. Rather than trying to find a buyer for the underlying property or waiting for the note to pay out over time, selling to an experienced note buyer gives you a lump sum that you can use immediately. The note buyer has the patience and the expertise to hold the note and collect payments over time, which is their business model, while you get the benefit of immediate cash.

Reducing Border Market Uncertainty

While Laredo's economy has been remarkably stable over the decades, the border region does face uncertainty related to trade policy, immigration enforcement, and the broader geopolitical relationship between the United States and Mexico. Changes in trade agreements, tariff policies, or border security measures can affect the local economy and, by extension, property values. Some note holders choose to sell as a way of reducing their exposure to these uncertainties, preferring the certainty of cash today over the potential risks of holding a note that is influenced by factors beyond their control. This is a perfectly reasonable motivation, and experienced note buyers understand that border market dynamics are part of the equation when they price Webb County deals.

Simplifying Long-Distance Management

Many Webb County note holders live outside the area — perhaps they sold property in Laredo and carried the note as part of a seller-financed transaction, but they now live in another part of Texas or another state entirely. Managing a note from a distance adds complexity and inconvenience to an already demanding task. Selling the note eliminates the need to track payments, manage escrow, monitor the property's condition, and deal with a borrower who may be hundreds or thousands of miles away. The simplicity of converting the note into cash and walking away from the management burden is a powerful motivator for long-distance note holders.

Understanding the Discount on Webb County Land Notes

The discount on Webb County land notes tends to be somewhat larger than discounts in the major metro markets, reflecting the additional risk factors associated with the border location, the lower absolute property values, and the more limited market liquidity. Understanding what to expect will help you evaluate offers realistically.

Typical Discount Ranges

For performing land notes in Webb County, discounts typically range from 15% to 35% of the remaining balance. Notes backed by well-located property in north Laredo with strong payment histories and favorable terms will receive offers at the lower end of that range. Notes backed by property in older neighborhoods, rural ranchland, or areas with limited market activity will face larger discounts. The wider discount range compared to major metro counties reflects the additional risk factors that buyers must account for, including lower liquidity, border-related uncertainties, and less robust comparable sales data for property valuations.

How to Improve Your Offer

Despite the wider discount range, there are steps you can take to maximize your proceeds. Complete and well-organized documentation is even more important in a market like Webb County, where buyers may be less familiar with local conditions and need thorough information to make confident decisions. A strong borrower payment history is invaluable — it provides the most direct evidence that the note is performing well, regardless of market-level risk factors. Working with a direct buyer who has experience in the Texas border region eliminates broker commissions and ensures that the buyer can navigate the local due diligence process efficiently. And being transparent about the property's specific location, condition, and any unique characteristics — whether positive or negative — builds trust and leads to more accurate, fair pricing. For a deeper dive into the factors that determine how much discount to expect, see this article on discounts when selling a land note in Texas.

Ready to Sell Your Note?

If you're ready to sell your land note in Webb County, Texas, Longhorn Note Buyers has the experience and the Texas-wide perspective to give you a fair, well-informed offer. We've been purchasing notes across every corner of Texas since 2007, with more than $46 million in total purchases and a 100% close rate on every deal we've quoted. Our founder, Nick McFadin, has been buying Texas notes since 1983, and our familiarity with markets ranging from the Houston suburbs to the border region allows us to evaluate Webb County notes with the nuance and accuracy they deserve.

We are a direct buyer — not a broker — which means we purchase with our own capital, offer transparent pricing, and close every deal we commit to. Whether your note is backed by a residential lot in north Laredo, a commercial parcel along Mines Road, or ranchland in the brush country, we have the expertise to price it fairly and the resources to close efficiently.

Call us today at (210) 828-3573 or visit longhornnotebuyers.com to request your free, no-obligation quote. Selling your land note in Webb County, Texas is a straightforward decision when you work with a buyer who knows the state and stands behind their word.

Frequently Asked Questions About Selling a Land Note in Webb County, Texas

How does international trade affect my Webb County note's value?

International trade is the primary economic driver of Webb County, and its impact on your note's value is generally positive. The massive flow of goods through Laredo's international bridges creates thousands of jobs in logistics, warehousing, customs brokerage, and transportation, which supports demand for both commercial and residential land. Note buyers who understand the border economy recognize that this trade-driven demand provides a stable foundation for property values, even if the market operates differently from the major Texas metros. Properties that are well-located to serve the trade economy — particularly commercial and industrial parcels along the Interstate 35 and Mines Road corridors — may benefit from premium valuations due to the strategic nature of their location.

Can I sell my note if the borrower is a Mexican national?

Yes, the nationality of the borrower does not prevent you from selling your note. What matters to the buyer is the borrower's payment history, the terms of the note, and the quality of the collateral — not the borrower's citizenship status. In Webb County, it is common for property transactions to involve borrowers who are Mexican nationals or dual citizens, and experienced note buyers in the Texas border region are accustomed to this dynamic. The key factors remain the same: a strong payment history, a favorable loan-to-value ratio, and well-documented title and note instruments. If your borrower has been making consistent on-time payments, their nationality should not be a barrier to a successful note sale.

Are Webb County notes harder to sell than notes in larger metros?

Webb County notes can be somewhat more challenging to sell than notes in Houston, Dallas, or Austin, primarily because fewer note buyers are familiar with the Webb County market and the border economy dynamics. Buyers who lack experience in the region may be hesitant to make offers or may apply excessive discounts due to perceived risk. However, working with a buyer who has statewide experience and a track record of purchasing notes across all of Texas eliminates this challenge. Longhorn Note Buyers has been purchasing notes throughout Texas since 2007, including in border communities, and we have the market knowledge to evaluate Webb County notes accurately and offer fair pricing that reflects the true value of the asset.

What if my property has oil and gas production?

If your Webb County property has active oil and gas production or valuable mineral rights, this can be a positive factor in the note valuation because it adds an additional layer of economic value to the collateral. However, the interaction between mineral rights and surface rights can be complex, and note buyers will want to understand whether the mineral rights are included in the property securing the note, whether they have been severed, and whether there are any active leases or production agreements in place. If mineral rights are part of the collateral package, provide documentation of any leases, production royalties, and the current status of mineral extraction on or near the property. This information will help the buyer assess the full value of the collateral and potentially offer a better price.

How long does it take to close a Webb County note sale?

The timeline for closing a Webb County note sale is typically two to five weeks from initial contact to funding. The preliminary offer is usually provided within 24 hours. The due diligence phase may take one to three weeks, depending on the complexity of the title search and the availability of comparable sales data. Webb County titles can occasionally involve historical complexities — including Spanish colonial land grants and older survey descriptions — that require careful examination by an experienced title company. Once due diligence is complete, closing typically takes just a few business days. Working with a buyer who has experience in the Webb County market can help minimize delays and keep the process on track.