1277 River Way, Spring Branch, TX 78070 Property Records

Comal County property record for 1277 River Way, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	6 ba · 7,492 sqft · built 2024
Lot Size	2.53 acres (110,207 sqft)
Owner	2 Individual Names on Record
Tax Bill	$24,965 (2025)
Deeds & Mortgages	Oct 2023 Construction Loan Jun 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`45-0712-0109-00`

Property Details

APN / Parcel Number

Primary APN	`45-0712-0109-00`
Alternative APN	`49875`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,646 sqft Living Area
Gross Area	8,114 sqft
2nd Floor Area	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Roof Type	Gable
Roof Material	Metal
Lot Area	110,207 sqft
View / Lot	Drainage
Garage Type	Attached
Garage Area	1,320 sqft
Parking Spaces	5 Parking Spaces
Porch	Covered Porch
Guest House	816 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	1277 RIVER WAY
City	SPRING BRANCH
State	TX
Zip	78070-5965
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER CROSSING, LOT 109
Legal Subdivision	RIVER CROSSING
Legal Block	3
Legal Lot Number	109
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 September 14, 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	1277 RIVER WAY, SPRING BRANCH, TX 78070-5965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Construction Mortgage ZB NA
Jun 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage ZB NA
Jun 15, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jun 24, 2019	Warranty Deed, Transfer SECURITY SVC FCU
Apr 26, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2020
Deed Sale	Jun 15, 2020
Prior Sale	Jun 24, 2019 · Amount on Record
Deed Document Number	202022490
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	1277 RIVER WAY, SPRING BRANCH, TX 78070-5965
Transaction Type	Mortgage
Record Updated	Nov 18, 2025
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13421 S LAKE MARY DR, PLAINFIELD, IL 60585-2652

Mortgage

Document Number	0006034366
Date	Oct 27, 2023
Instrument	202306034366

Lender

Name	ZB NA
Type	Bank
Address	HOUSTON, TX 77027

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	385 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	8.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2035
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	13.8%
Index	1-Year CMT
Max Rate	13.8%

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	1277 RIVER WAY, SPRING BRANCH, TX 78070-5965
Transaction Type	Mortgage
Record Updated	Nov 18, 2025
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006018924
Date	Jun 23, 2025
Instrument	202506018924

Lender

Name	ZB NA
Type	Bank
Address	HOUSTON, TX 77027

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	12.1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMAL TX
Recording Date	Jun 15, 2020
Property Address	1277 RIVER WAY, SPRING BRANCH, TX 78070-5965
Document Number	0006022490
Instrument Date	Jun 15, 2020
Instrument	6022490
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13421 S LAKE MARY DR PLAINFIELD IL 605852652, PLAINFIELD, IL 60585-2652

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMAL TX
Recording Date	Jun 24, 2019
Property Address	1277 RIVER WAY, SPRING BRANCH, TX 78070-5965
Document Number	0006021650
Instrument Date	Jun 24, 2019
Instrument	6021650
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	OLD REPUBLIC TITLE

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	25403 BUNKER DR SAN ANTONIO TX 782602635, SAN ANTONIO, TX 78260-2635

Mortgage

Document Number	6021651
Date	Jun 24, 2019
Instrument	6021651

Lender

Name	SECURITY SVC FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78249

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 23, 2034

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMAL TX
Recording Date	Apr 26, 2018
Property Address	1277 RIVER WAY, SPRING BRANCH, TX 78070-5965
Document Number	0006015998
Instrument Date	Apr 25, 2018
Instrument	6015998
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1277 RIVER WAY SPRING BRANCH TX 780705965, SPRING BRANCH, TX 78070-5965

Tax Assessment & Valuation

Source: Comal County assessment roll, as of September 14, 2026

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
2026		$1,765,480 (+7.98%) Land $202,990 Building $1,562,490	$1,765,480 (+7.98%) Land $202,990 Building $1,562,490
2025	$24,965.00 (+726.66%)	$1,634,940 (+705.43%) Land $202,990 Building $1,431,950	$1,634,940 (+705.43%) Land $202,990 Building $1,431,950
2024	$3,020.00 (-0.4%)
2023		$202,990 Land $202,990	$202,990 Land $202,990
2022	$3,032.00

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 50% of the US · lower than 75% of Texas
Wildfire Likelihood	0.09% 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 101 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: Verizon.

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