104 Saddle Trl, Cibolo, TX 78108 Property Records

Guadalupe County property record for 104 Saddle Trl, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,583 sqft · built 2008
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,283 (2025)
Deeds & Mortgages	Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`1G3900100109600000`

Property Details

APN / Parcel Number

Primary APN	`1G3900100109600000`
Alternative APNs	`000000116653` `000000264477` `116653`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,583 sqft Living Area
Gross Area	3,246 sqft
1st Floor Area	1,098 sqft
2nd Floor Area	14,855 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	120 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	147 sqft
Patio Area	96 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	104 SADDLE TRL
City	CIBOLO
State	TX
Zip	78108-3027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE CREEK RANCH #1 BLOCK 1 LOT 96 .1515 AC
Legal Subdivision	SADDLE CREEK RANCH #1
Legal Tract	96
Legal Block	1
Legal Lot Number	96
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1005
Census Tract	210612

Owner

Source: Guadalupe County records, as of August 12, 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	104 SADDLE TRL, CIBOLO, TX 78108-3027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2021
Deed Sale	Nov 15, 2021
Prior Sale	Nov 15, 2021
Deed Document Number	202199039266
Prior Transfer Date	Aug 28, 2008
Prior Transfer Doc	0000017426
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Nov 15, 2021
Property Address	104 SADDLE TRL, CIBOLO, TX 78108-3027
Document Number	0099039266
Map Reference	VOL 6 PG 759-760A
Instrument Date	Nov 15, 2021
Instrument	202199039266
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	ALAMO TITLE 17, ALAMO TITLE CCO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SADDLE TRL, CIBOLO, TX 78108-3027

Tax Assessment & Valuation

Source: Guadalupe County assessment roll, as of August 12, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Cibolo City
County	Guadalupe County
Unified School District	Schertz-Cibolo-Universal City Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$331,100 (-1.64%) Land $43,931 Building $288,130	$332,061 (-1.36%) Land $43,931 Building $288,130
2025	$4,283.00 (-35.9%) Homeowner's exemption	$336,634 (-13.59%) Land $42,117 Building $294,517	$336,634 (-13.59%) Land $42,117 Building $294,517
2024	$6,682.00 (-11.23%)
2023	$7,527.00 (+29.66%)	$389,578 Land $55,952 Building $333,626	$389,578 Land $55,952 Building $333,626
2022	$5,805.00

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 April 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GREEN VALLEY SUD serves 52,497 people · EPA ID TX0940020
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 351 locations within half a mile, as of December 31, 2025

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

May also be available: Guadalupe Valley Electric Cooperative, Verizon, VTX Communications.