Guadalupe County property record for 124 Saddle Trl, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 5.5 ba · 2,089 sqft · built 2005 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $299,250 (Oct 2022) |
| Tax Bill | $3,337 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900100109100000 |
| Primary APN | 1G3900100109100000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 5.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,089 sqft Living Area |
| Gross Area | 2,648 sqft |
| 1st Floor Area | 932 sqft |
| 2nd Floor Area | 1,157 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| 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 | 143 sqft |
| Patio Area | 100 sqft |
| Storage Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 124 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 91 0.1377 AC |
| Legal Subdivision | SADDLE CREEK RANCH #1 |
| Legal Tract | 91 |
| Legal Block | 1 |
| Legal Lot Number | 91 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 210612 |
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 | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Oct 6, 2022 | Vendor's Lien, Transfer · Conventional Mortgage PILGRIM MORTGAGE LLC |
| Jun 27, 2022 | Warranty Deed, Transfer |
| Apr 26, 2022 | Gift Deed, Transfer |
| Apr 26, 2022 | Deed of Distribution, Transfer |
| Apr 26, 2022 | Gift Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2022 · Amount on Record |
| Deed Sale | Oct 6, 2022 · Amount on Record |
| Prior Sale | Jun 27, 2022 |
| Deed Document Number | 202231304 |
| Prior Transfer Date | Sep 2, 2021 |
| Prior Transfer Doc | 0000013369 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0099038633 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 202199038633 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 263 Months |
| Due | Oct 1, 2043 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Oct 6, 2022 |
| Property Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0099031304 |
| Map Reference | VOL 6 PG 759-760 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 202299031304 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0099031305 |
|---|---|
| Date | Oct 6, 2022 |
| Instrument | 202299031305 |
| Name | PILGRIM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jun 27, 2022 |
| Property Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0099019929 |
| Map Reference | VOL 6 PG 759&760 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 202299019929 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Apr 26, 2022 |
| Property Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0099013368 |
| Map Reference | VOL 6 PG 759-760 |
| Instrument Date | Apr 26, 2022 |
| Instrument | 202299013368 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Apr 26, 2022 |
| Property Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0099013369 |
| Map Reference | VOL 6 PG 759-760 |
| Instrument Date | Sep 2, 2021 |
| Instrument | 202299013369 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Apr 26, 2022 |
| Property Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0099013367 |
| Map Reference | VOL 6 PG 759-760 |
| Instrument Date | Jul 24, 2021 |
| Instrument | 202299013367 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 SADDLE TRL, CIBOLO, TX 78108-3027 |
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 | $265,130 (+5.21%) Land $42,315 Building $222,815 | $265,130 (+5.21%) Land $42,315 Building $222,815 | |
| 2025 | $3,337.00 (-42.17%) Homeowner's exemption | $252,000 (-25.13%) Land $39,830 Building $212,170 | $252,000 (-25.13%) Land $39,830 Building $212,170 |
| 2024 | $5,770.00 (-11.27%) | ||
| 2023 | $6,503.00 (+45.19%) Homeowner's exemption | $336,595 Land $53,339 Building $283,256 | $336,595 Land $53,339 Building $283,256 |
| 2022 | $4,479.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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