129 Saddle Rdg, Spring Branch, TX 78070 Property Records

Comal County property record for 129 Saddle Rdg, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,226 sqft · built 2020
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$58,800 (May 2018)
Tax Bill	$10,699 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Sep 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`45-0712-0097-00`

Property Details

APN / Parcel Number

Primary APN	`45-0712-0097-00`
Alternative APN	`49863`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,436 sqft Living Area
Gross Area	5,316 sqft
1st Floor Area	3,226 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Metal
Lot Area	44,867 sqft
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	129 SADDLE RDG
City	SPRING BRANCH
State	TX
Zip	78070-5973
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER CROSSING, LOT 97
Legal Subdivision	RIVER CROSSING
Legal Block	3
Legal Lot Number	97
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	Individual Name on Record
Mailing Address	129 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD
Sep 20, 2020	Loan Modification, Mortgage SAGE CAP BK NA
Sep 20, 2019	Deed of Trust, Mortgage SAGE CAP BK NA
May 8, 2018	Warranty Deed, Transfer ALAMO TITLE COMPANY, ALAMO TITLE CO
May 4, 2018	Deed of Trust, Mortgage RANDOLPH BROOKS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2018 · Amount on Record
Deed Sale	May 8, 2018 · Amount on Record
Deed Document Number	201817788
Prior Transfer Date	May 4, 2018
Prior Transfer Doc	0000017788
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	129 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Transaction Type	Mortgage
Record Updated	Oct 8, 2021
Title Company	CAPTAL T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006050341
Date	Nov 9, 2020
Instrument	202006050341

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Address	SAN ANTONIO, TX 78231

Agreement

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

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COMAL TX
Property Address	129 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0006043313
Instrument Date	Sep 20, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	25338 LONGBRANCH RUN SAN ANTONIO TX 782612432, SAN ANTONIO, TX 78261-2432

Mortgage

Document Number	0006043313
Date	Oct 2, 2020
Instrument	6043313

Lender

Name	SAGE CAP BK NA
Type	Bank
Address	SAN ANTONIO, TX 78261

Agreement

Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	129 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0006034109
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO-SPRING BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	25338 LONGBRANCH RUN SAN ANTONIO TX 782612432, SAN ANTONIO, TX 78261-2432

Mortgage

Document Number	0006034109
Date	Sep 25, 2019
Instrument	6034109

Lender

Name	SAGE CAP BK NA
Type	Bank
Address	GONZALES, TX 78629

Agreement

Amount	Amount Recorded

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMAL TX
Recording Date	May 8, 2018
Property Address	129 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0006017788
Instrument Date	May 4, 2018
Instrument	6017788
Transaction Type	Transfer
Record Updated	May 25, 2018
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25334 LONGBRANCH RUN SAN ANTONIO TX 782612432, SAN ANTONIO, TX 78261-2432

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	129 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0006017789
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 SADDLE RDG SPRING BRANCH TX 780705973, SPRING BRANCH, TX 78070-5973

Mortgage

Document Number	0006017789
Date	May 8, 2018
Instrument	6017789

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 7, 2033

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		$1,179,433 (+15.88%) Land $146,400 Building $1,033,033	$1,179,433 (+11.45%) Land $146,400 Building $1,033,033
2025	$10,699.00 (+10.55%) Homeowner's exemption	$1,017,842 (-17.34%) Land $146,400 Building $911,870	$1,058,270 (-14.06%) Land $146,400 Building $911,870
2024	$9,678.00 (+19.29%)
2023		$1,231,380 Land $146,400 Building $1,084,980	$1,231,380 Land $146,400 Building $1,084,980
2022	$8,113.00

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 43% of the US · lower than 83% of Texas
Wildfire Likelihood	0.07% 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 86 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: T-Mobile, Verizon.

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