10686 Penelope Way, Converse, TX 78109 Property Records

Bexar County property record for 10686 Penelope Way, Converse, TX 78109

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,082 sqft · built 2020
Lot Size	0.135 acres (5,865 sqft)
Owner	2 Individual Names on File
Last Sale	$241,369 (Nov 2020)
Tax Bill	$4,498 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05088-015-0220`

Property Details

APN / Parcel Number

Primary APN	`05088-015-0220`
Alternative APN	`1288396`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,082 sqft Living Area
Gross Area	2,571 sqft
1st Floor Area	862 sqft
2nd Floor Area	1,220 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Roof Material	Asphalt
Lot Area	5,865 sqft (0.135 acres)
Garage Type	Attached
Garage Area	489 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10686 PENELOPE WAY
City	CONVERSE
State	TX
Zip	78109-2066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CB 5088 (PALOMA SUBD UT-5--PLAT 20001/220-221), BLOCK 15 LOT 22 2019-NEW PER PLAT 20001/220-221 FILED 6-27-18. JLF/GIS/9-7-18
Legal Subdivision	NCB 18225 (PALOMA SUBD UT-5)
Legal Block	15
Legal Lot Number	22
Jurisdiction	BEXAR TX
Township / Civil Division	SAN ANTONIO EAST
Census Block Group	2
Census Block	2025
Census Tract	131802

Owner

10686 Penelope Way is owned and occupied by two individuals who bought it in November 2020.

Source: Bexar County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10686 PENELOPE WAY, CONVERSE, TX 78109-2066
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Nov 18, 2020	Deed of Trust, Mortgage HOUSING & CMNTY DEV DEPT
Nov 19, 2020	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage GARDNER FINANCIAL SERVICES LTD
Jul 2, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jul 1, 2020	Loan Modification, Mortgage TEXAS CAP BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2020 · Amount on File
Deed Sale	Nov 19, 2020 · Amount on File
Deed Document Number	2020283004
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEXAR TX
Recording Date	Jul 1, 2026
Property Address	10686 PENELOPE WAY, CONVERSE, TX 78109-2066
Document Number	0000126839
Instrument Date	Jun 12, 2026
Instrument	2026126839
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10686 PENELOPE WAY, CONVERSE, TX 78109-2066
Investor	Possibly a Property Investor

Mortgage

Document Number	0000126839,
Date	Jul 1, 2026
Instrument	2026126839

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	293 Months
Due	Dec 1, 2050

Interest

Rate	6.36%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEXAR TX
Property Address	10686 PENELOPE WAY, CONVERSE, TX 78109-2066
Document Number	0000292083
Instrument Date	Nov 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 11, 2020
Title Company	ORT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10686 PENELOPE WAY CONVERSE TX 781092066, CONVERSE, TX 78109-2066

Mortgage

Document Number	0000292083
Date	Dec 1, 2020
Instrument	292083

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	PO BOX 13941, AUSTIN, TX 78711-3941

Agreement

Amount	Amount on Record

November 2020: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	BEXAR TX
Recording Date	Nov 19, 2020
Property Address	10686 PENELOPE WAY, CONVERSE, TX 78109-2066
Document Number	0000283004
Map Reference	VOL 20001 PG 220-221
Instrument Date	Nov 18, 2020
Instrument	20200283004
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 27, 2021
Title Company	ORT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3602 PAESANOS PKWY STE 200, 3602, SAN ANTONIO, TX 78231-1278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10686 PENELOPE WAY, CONVERSE, TX 78109-2066
Investor	Possibly a Property Investor

Mortgage

Document Number	0000283005
Date	Nov 19, 2020
Instrument	20200283005

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Mortgage

Document Number	0000283006
Date	Nov 19, 2020
Instrument	20200283006

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Address	SAN ANTONIO, TX 78231

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEXAR TX
Recording Date	Jul 2, 2020
Property Address	10686 PENELOPE WAY, CONVERSE, TX 78109-2066
Document Number	0000143034
Instrument Date	Jul 1, 2020
Instrument	143034
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3602 PAESANOS PKWY #200 SAN ANTONIO TX 782311278, 200, SAN ANTONIO, TX 78231-1278

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BEXAR TX
Property Address	10686 PENELOPE WAY, CONVERSE, TX 78109-2066
Document Number	0000143035
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915

Mortgage

Document Number	0000143035
Date	Jul 2, 2020
Instrument	143035

Lender

Name	TEXAS CAP BK
Type	Bank
Address	2350 LAKESIDE BLVD # 800, RICHARDSON, TX 75082-4340

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 10686 Penelope Way was $4,498 with a homeowner's exemption, down 2.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Texas
County	Bexar County
Municipality	San Antonio City
Unified School District	East Central Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,498.00 (-2.3%) Homeowner's exemption	$291,610 Land $55,570 Building $236,040	$291,610 Land $55,570 Building $236,040
2024	$4,604.00 (-5.6%)
2023	$4,877.00 (-29.96%) Homeowner's exemption	$295,920 (+0.12%) Land $55,570 Building $240,350	$295,920 (+0.12%) Land $55,570 Building $240,350
2022	$6,963.00	$295,560 Land $48,310 Building $247,250	$295,560 Land $48,310 Building $247,250

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10686 Penelope Way in Zone X, an area of minimal flood risk.

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 File median of 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 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

Wildfire risk around 10686 Penelope Way is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	EAST CENTRAL SUD serves 26,137 people · EPA ID TX0150138
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	None 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 456 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Centric Fiber Fiber	1,000 / 1,000
Alamo Broadband Fixed Wireless	990 / 300
ZipLink Internet Fixed Wireless	100 / 20

May also be available: Verizon.

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