12706 Happy Cedar, Helotes, TX 78023 Property Records

Bexar County property record for 12706 Happy Cedar, Helotes, TX 78023

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,866 sqft · built 2001
Lot Size	0.249 acres (10,865 sqft)
Owner	2 Individual Names on Record
Last Sale	$404,320 (Jun 2026)
Tax Bill	$6,463 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04528-401-0390`

Property Details

APN / Parcel Number

Primary APN	`04528-401-0390`
Alternative APN	`243947`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,866 sqft Living Area
Gross Area	3,507 sqft
1st Floor Area	1,333 sqft
2nd Floor Area	1,533 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Contemporary
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	10,865 sqft (0.249 acres)
Garage Type	Attached
Garage Area	641 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	272 sqft
Deck Area	220 sqft
Patio Area	221 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12706 HAPPY CEDAR
City	HELOTES
State	TX
Zip	78023-4460
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CB 4528D BLK 1 LOT 39 CEDAR SPRINGS SUBD UT-5
Legal Subdivision	CEDAR SPGS SUB UT-5
Legal Tract	39
Legal Block	1
Legal Lot Number	39
Jurisdiction	BEXAR TX
Township / Civil Division	SAN ANTONIO NORTHWEST
Census Block Group	1
Census Block	1006
Census Tract	182001

Owner

Source: Bexar County records, as of June 11, 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	12706 HAPPY CEDAR, HELOTES, TX 78023-4460
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed, Transfer · Conventional Mortgage LOANPEOPLE LLC
Feb 26, 2020	Vendor's Lien, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Feb 26, 2020 · Amount on Record
Deed Document Number	2026104643
Prior Transfer Date	Feb 24, 2020
Prior Transfer Doc	0000040693
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEXAR TX
Recording Date	Jun 1, 2026
Property Address	12706 HAPPY CEDAR, HELOTES, TX 78023-4460
Document Number	0000104643
Instrument Date	May 28, 2026
Instrument	2026104643
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12706 HAPPY CEDAR, HELOTES, TX 78023-4460

Mortgage

Document Number	0000104644,
Date	Jun 1, 2026
Instrument	2026104644

Lender

Name	LOANPEOPLE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.65%
Initial Type	Fixed Rate
Max Rate	-1%

February 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BEXAR TX
Recording Date	Feb 26, 2020
Property Address	12706 HAPPY CEDAR, HELOTES, TX 78023-4460
Document Number	0000040693
Map Reference	VOL 9550 PG 146&147
Instrument Date	Feb 24, 2020
Instrument	20200040693
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12706 HAPPY CEDAR, HELOTES, TX 78023-4460

Mortgage

Document Number	0000040694
Date	Feb 26, 2020
Instrument	20200040694

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Bexar County
Municipality	Helotes City
Unified School District	Northside Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,463.00 (-5.84%) Homeowner's exemption	$405,570 (-2.75%) Land $76,710 Building $328,860	$405,570 (-2.75%) Land $76,710 Building $328,860
2024	$6,864.00 (-20.35%)
2023	$8,618.00 (+16.52%)	$417,050 Land $76,710 Building $340,340	$417,050 Land $76,710 Building $340,340
2022	$7,396.00

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 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	7 (2002–2021)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Jul 2021 · rainfall accumulation
Claims by Event	Tropical Storm Erin, Aug 2007 · 3 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	Low lower than 97% of the US · lower than 98.3% of Texas
Wildfire Likelihood	Under 0.01% 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	SAN ANTONIO WATER SYSTEM serves 2,643,729 people · EPA ID TX0150018
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) 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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: VTX Communications.

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