10419 Cotton Spindle, Schertz, TX 78154 Property Records

Bexar County property record for 10419 Cotton Spindle, Schertz, TX 78154

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,994 sqft · built 2014
Lot Size	0.239 acres (10,402 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (May 2015)
Tax Bill	$9,787 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05058-305-0050`

Property Details

APN / Parcel Number

Primary APN	`05058-305-0050`
Alternative APN	`1214743`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,994 sqft Living Area
Gross Area	3,602 sqft
1st Floor Area	2,528 sqft
2nd Floor Area	466 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Roof Material	Asphalt
Lot Area	10,402 sqft (0.239 acres)
Garage Type	Attached
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces
Pool Area	432 sqft
Porch	Open Porch
Porch Area	362 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10419 COTTON SPINDLE
City	SCHERTZ
State	TX
Zip	78154-2858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CB 5058C (WILLOW GROVE ESTATES UT-2), BLOCK 5 LOT 5 2015 NEW ACCT PER PLAT 9674/94-96 EXE 9/22/14
Legal Subdivision	CB 5058C (WILLOW GROVE ESTATES UT-2)
Legal Tract	5
Legal Block	5
Legal Lot Number	5
Jurisdiction	BEXAR TX
Township / Civil Division	SAN ANTONIO NORTHEAST
Census Block Group	2
Census Block	2091
Census Tract	131601

Owner

Source: Bexar County records, as of May 26, 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	10419 COTTON SPINDLE, SCHERTZ, TX 78154-2858
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2015 · Amount on Record
Deed Sale	May 11, 2015 · Amount on Record
Prior Sale	Oct 7, 2014
Deed Document Number	201582116
Deed Book / Page	17228 / 2203
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEXAR TX
Property Address	10419 COTTON SPINDLE, SCHERTZ, TX 78154-2858
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000261708
Date	Sep 20, 2021
Instrument	20210261708

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2046

Tax Assessment & Valuation

Source: Bexar County assessment roll, as of May 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,787.00 (+206.8%) Homeowner's exemption	$510,000 (+1.9%) Land $78,280 Building $431,720	$510,000 (+1.9%) Land $78,280 Building $431,720
2024	$3,190.00 (+0.5%)
2023	$3,174.00 (-69.28%) Homeowner's exemption	$500,500 Land $78,280 Building $422,220	$500,500 Land $78,280 Building $422,220
2022	$10,331.00

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 12, 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
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 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 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% 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 SCHERTZ serves 41,948 people · EPA ID TX0940003
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Alamo Broadband Fixed Wireless	990 / 300