111 Saddle Rdg, Spring Branch, TX 78070 Property Records

Comal County property record for 111 Saddle Rdg, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,907 sqft · built 2005
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Tax Bill	$10,385 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45-0712-0098-00`

Property Details

APN / Parcel Number

Primary APN	`45-0712-0098-00`
Alternative APN	`49864`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	4,907 sqft Living Area
1st Floor Area	4,907 sqft
2nd Floor Area	2,204 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	366 sqft
Patio Area	220 sqft
Balcony	Balcony
Balcony Area	3 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Account Number	49864
Old Parcel Number	450712009800
Street Address	111 SADDLE RDG
City	SPRING BRANCH
State	TX
Zip	78070-5973
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER CROSSING, LOT 98
Legal Subdivision	RIVER CROSSING
Legal Lot Number	98
Jurisdiction	COMAL TX
Township / Civil Division	CANYON LAKE
Census Block Group	3
Census Block	3017
Census Tract	310703

Owner

Source: Comal County records, as of January 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	111 SHADOW RDG, BULVERDE, TX 78163-3145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Vendor's Lien, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Oct 31, 2025	Warranty Deed, Transfer
Jan 9, 2020	Warranty Deed, Transfer HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025
Deed Sale	Oct 31, 2025
Prior Sale	Oct 31, 2025
Deed Document Number	202506035008
Record Updated	Jun 8, 2026

October 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COMAL TX
Recording Date	Oct 31, 2025
Property Address	111 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0006035008
Map Reference	VOL 13 PG 110-114
Instrument Date	Oct 16, 2025
Instrument	202506035008
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 SHADOW RDG, BULVERDE, TX 78163-3145

Mortgage

Document Number	0006035009
Date	Oct 31, 2025
Instrument	202506035009

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMAL TX
Recording Date	Oct 31, 2025
Property Address	111 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0006035007
Map Reference	VOL 13 PG 110-114
Instrument Date	Feb 15, 2025
Instrument	202506035007
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7270 S 13TH ST STE 201, 201, OAK CREEK, WI 53154-1800
Investor	Possibly a Property Investor

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMAL TX
Recording Date	Jan 9, 2020
Property Address	111 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0006000944
Instrument Date	Jan 9, 2020
Instrument	6000944
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	111 SADDLE RDG SPRING BRANCH TX 780705973, SPRING BRANCH, TX 78070-5973

Mortgage

Document Number	6000945
Date	Jan 9, 2020
Instrument	6000945

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.17%

Tax Assessment & Valuation

Source: Comal County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Comal County
Unified School District	Comal Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$994,950 (-12.21%) Land $146,400 Building $848,550	$994,950 (-12.21%) Land $146,400 Building $848,550
2024	$10,385.00 (+17.05%)
2023		$1,133,300 Land $146,400 Building $986,900	$1,133,300 Land $146,400 Building $986,900
2022	$8,872.00

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 5, 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 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	4 (2013–2015)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Oct 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Oct 2015 · 2 claims

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	Moderate above 43% of the US · lower than 83% of Texas
Wildfire Likelihood	0.07% 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	CLWSC CANYON LAKE SHORES private · serves 44,196 people · EPA ID TX0460019
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Turbidity resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GVTC Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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