Guadalupe County property record for 128 Saddle Trl, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 2005 |
| Lot Size | 0.193 acres (8,401 sqft) |
| Owner | Individual Name on File |
| Last Sale | $244,072 (Jul 2026) |
| Tax Bill | $1,280 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900100109000000 |
| Primary APN | 1G3900100109000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Gross Area | 1,296 sqft |
| 1st Floor Area | 1,232 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,401 sqft (0.193 acres) |
| Lot Dimensions | 121 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 64 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 128 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 90 0.1928 AC |
| Legal Subdivision | SADDLE CREEK RANCH #1 |
| Legal Tract | 90 |
| Legal Block | 1 |
| Legal Lot Number | 90 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 210612 |
128 Saddle Trl is owned and occupied by an individual who bought it in July 2026.
Source: Guadalupe County records, as of August 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Jul 22, 2026 | Deed, Transfer · FHA Mortgage LOWER LLC |
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Mar 13, 2017 | Warranty Deed, Transfer FIRST CHOICE LN SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2026 · Amount on File |
| Deed Sale | Jul 22, 2026 · Amount on File |
| Prior Sale | Mar 13, 2017 · Amount on File |
| Deed Document Number | 202619623 |
| Prior Transfer Date | Mar 10, 2017 |
| Prior Transfer Doc | 0000005675 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jul 22, 2026 |
| Property Address | 128 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0000019623 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202619623 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0000019624, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 202619624 |
| Name | LOWER LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 128 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Title Company | UNKNOWN, ITC |
| Name | Verified Name |
|---|
| Document Number | 0099012517 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 202199012517 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Mar 13, 2017 |
| Property Address | 128 SADDLE TRL, CIBOLO, TX 78108-3027 |
| Document Number | 0000005675 |
| Instrument Date | Mar 10, 2017 |
| Instrument | 5675 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 SADDLE TRL CIBOLO TX 781083027, CIBOLO, TX 78108-3027 |
| Document Number | 5676 |
|---|---|
| Date | Mar 13, 2017 |
| Instrument | 5676 |
| Name | FIRST CHOICE LN SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | EAST BRUNSWICK, NJ 08816 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 12, 2047 |
The 2025 property tax bill for 128 Saddle Trl was $1,280, down 22.4% 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 | $210,991 (-5.18%) Land $49,711 Building $161,280 | $210,991 (-5.18%) Land $49,711 Building $161,280 | |
| 2025 | $1,280.00 (-22.38%) Homeowner's exemption Senior Citizen's exemption | $222,515 Land $49,676 Building $172,839 | $222,515 Land $49,676 Building $172,839 |
| 2024 | $1,649.00 (-0.12%) | ||
| 2023 | $1,651.00 (-45.58%) Homeowner's exemption Senior Citizen's exemption | $269,246 Land $64,810 Building $204,436 | $269,246 Land $64,810 Building $204,436 |
| 2022 | $3,034.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 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 128 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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