Guadalupe County property record for 117 Saddle Trl, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,089 sqft · built 2008 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,900 (Dec 2020) |
| Tax Bill | $4,084 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900100101000000 |
| Primary APN | 1G3900100101000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,089 sqft Living Area |
| Gross Area | 2,702 sqft |
| 1st Floor Area | 932 sqft |
| 2nd Floor Area | 1,157 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 136 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 117 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 10 0.1377 AC |
| Legal Subdivision | SADDLE CREEK RANCH #1 |
| Legal Tract | 10 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 210612 |
117 Saddle Trl is owned and occupied by an individual who bought it in December 2020.
Source: Guadalupe County records, as of August 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 117 SADDLE TRL, CIBOLO, TX 78108-3027 |
| 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.
| Date | Document |
|---|---|
| Dec 10, 2020 | Warranty Deed, Transfer MORTGAGE FIN'L SVCS |
| Nov 19, 2018 | Warranty Deed, Transfer MORTGAGE FIN'L SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2020 · Amount on File |
| Deed Sale | Dec 10, 2020 · Amount on File |
| Prior Sale | Dec 10, 2020 |
| Deed Document Number | 202099035890 |
| Prior Transfer Date | Dec 9, 2020 |
| Prior Transfer Doc | 0099035890 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Dec 10, 2020 |
| Property Address | 117 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0000035890 |
| Instrument Date | Dec 9, 2020 |
| Instrument | 35890 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2020 |
| Title Company | ALAMO TITLE COMPANY, ALAMO TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 117 SADDLE TRL CIBOLO TX 781083027, CIBOLO, TX 78108-3027 |
| Document Number | 35891 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 35891 |
| Name | MORTGAGE FIN'L SVCS |
|---|---|
| Type | Mortgage Company |
| Address | FLOWER MOUND, TX 75028 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 9, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Nov 19, 2018 |
| Property Address | 117 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0000026307 |
| Instrument Date | Nov 14, 2018 |
| Instrument | 26307 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2019 |
| Title Company | CHICAGO TITLE/TX LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 117 SADDLE TRL CIBOLO TX 781083027, CIBOLO, TX 78108-3027 |
| Document Number | 26308 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 26308 |
| Name | MORTGAGE FIN'L SVCS |
|---|---|
| Type | Mortgage Company |
| Address | FLOWER MOUND, TX 75028 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 18, 2048 |
The 2025 property tax bill for 117 Saddle Trl was $4,084 with a homeowner's exemption, down 29.7% from the year before.
Source: Guadalupe County assessment roll, as of August 12, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Cibolo City |
| County | Guadalupe County |
| Unified School District | Schertz-Cibolo-Universal City Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $279,649 (-3.8%) Land $42,315 Building $237,334 | $279,649 (-3.8%) Land $42,315 Building $237,334 | |
| 2025 | $4,084.00 (-29.66%) Homeowner's exemption | $290,704 Land $39,830 Building $250,874 | $290,704 Land $39,830 Building $250,874 |
| 2024 | $5,806.00 (-11.41%) | ||
| 2023 | $6,554.00 (+29.17%) | $339,211 Land $53,339 Building $285,872 | $339,211 Land $53,339 Building $285,872 |
| 2022 | $5,074.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 117 Saddle Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 risk around 117 Saddle Trl is low, with a 0.06% annual chance of 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.
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 |
| 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.
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.
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