13210 Cepeda, Helotes, TX 78023 Property Records

Bexar County property record for 13210 Cepeda, Helotes, TX 78023

Property Summary

Property Type	Rural Home
Details	5 bd · 6.5 ba · 4,233 sqft · built 2005
Lot Size	2.8 acres (121,968 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (May 2018)
Tax Bill	$6,755 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04581-100-0740`

Property Details

APN / Parcel Number

Primary APN	`04581-100-0740`
Alternative APN	`248831`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,233 sqft Living Area
Gross Area	6,037 sqft
1st Floor Area	3,715 sqft
2nd Floor Area	518 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Contemporary
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	121,968 sqft (2.8 acres)
Garage Type	Attached
Garage Area	1,804 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	780 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	13210 CEPEDA
City	HELOTES
State	TX
Zip	78023-2850
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	CB 4581A BLK LOT 74 HELOTES SPRINGS RANCH UT-5A
Legal Subdivision	HELOTES SPGS RANCH UN 5A
Legal Tract	74
Legal Block	100
Legal Lot Number	74
Jurisdiction	BEXAR TX
Township / Civil Division	SAN ANTONIO NORTHWEST
Census Block Group	1
Census Block	1001
Census Tract	182105

Owner

13210 Cepeda, a rural home, is owned and occupied by an individual who bought it in May 2018.

Source: Bexar County records, as of May 26, 2026

Owner of Record	Individual Name on File
Mailing Address	13210 CEPEDA, HELOTES, TX 78023-2850
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD
May 2, 2018	Vendor's Lien, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2018 · Amount on File
Deed Sale	May 2, 2018 · Amount on File
Prior Sale	Feb 8, 2005 · Amount on File
Deed Document Number	201882628
Prior Transfer Date	Apr 25, 2018
Prior Transfer Doc	0000082628
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEXAR TX
Property Address	13210 CEPEDA, HELOTES, TX 78023-2850
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000102968
Date	Apr 19, 2021
Instrument	20210102968

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BEXAR TX
Recording Date	May 2, 2018
Property Address	13210 CEPEDA, HELOTES, TX 78023-2850
Document Number	0000082628
Map Reference	VOL9537 PG159
Instrument Date	Apr 25, 2018
Instrument	20180082628
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13210 CEPEDA, HELOTES, TX 78023-2850

Mortgage

Document Number	0000082629
Date	May 2, 2018
Instrument	20180082629

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Mortgage

Document Number	0000082630
Date	May 2, 2018
Instrument	20180082630

Lender

Name	FROST BANK
Type	Bank
Address	SAN ANTONIO, TX 78296

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 13210 Cepeda was $6,755 with exemptions applied, down 12.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,755.00 (-12.8%) Homeowner's exemption Senior Citizen's exemption	$733,500 Land $157,080 Building $576,420	$733,500 Land $157,080 Building $576,420
2024	$7,747.00 (-6.28%)
2023	$8,266.00 (-26.68%) Homeowner's exemption Senior Citizen's exemption	$802,000 Land $128,520 Building $673,480	$802,000 Land $128,520 Building $673,480
2022	$11,274.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 13210 Cepeda in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1985.

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 File median of 54 policies
Nearby Flood Policies	54 in force
Nearby Flood Claims	9 (1985–2019)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Jun 2019 · rainfall accumulation

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

Wildfire risk around 13210 Cepeda is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 62% of Texas
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: VTX Communications.

Nearby Properties on Cepeda

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures