145 Saddle Rdg, Spring Branch, TX 78070 Property Records

Comal County property record for 145 Saddle Rdg, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,686 sqft · built 2003
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,533 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45-0712-0096-00`

Property Details

APN / Parcel Number

Primary APN	`45-0712-0096-00`
Alternative APN	`49862`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,686 sqft Living Area
Gross Area	3,632 sqft
1st Floor Area	2,686 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Metal
Lot Area	44,867 sqft
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool Type
Pool Area	154 sqft
Porch	Covered Porch
Porch Area	355 sqft
Deck Area	518 sqft
Patio Area	518 sqft
Storage Building	33 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	145 SADDLE RDG
City	SPRING BRANCH
State	TX
Zip	78070-5973
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER CROSSING, LOT 96
Legal Subdivision	RIVER CROSSING
Legal Block	3
Legal Lot Number	96
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	145 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage SECURITY SERVICE FCU
Sep 20, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage SECURITY SERVICE FCU
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SECURITY SERVICE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2012
Deed Sale	Nov 5, 2012
Deed Document Number	201238863
Prior Transfer Date	Aug 24, 2006
Prior Transfer Doc	0006037233
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	145 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Transaction Type	Mortgage
Record Updated	Feb 17, 2022
Title Company	SECURITY SERVICES TITLE COMPANY, SECURITY SERVICE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006004308
Date	Jan 27, 2022
Instrument	202206004308

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	145 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006043070
Date	Sep 20, 2017
Instrument	201706043070

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2027

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	145 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006007058
Date	Feb 24, 2020
Instrument	202006007058

Lender

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

Agreement

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

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		$691,710 (-1.86%) Land $146,400 Building $545,310	$691,710 (-1.86%) Land $146,400 Building $545,310
2025	$2,533.00 (-25.59%) Homeowner's exemption Senior Citizen's exemption	$704,790 (-10.76%) Land $146,400 Building $558,390	$704,790 (-10.76%) Land $146,400 Building $558,390
2024	$3,404.00 (+3.56%)
2023		$789,770 Land $146,400 Building $643,370	$789,770 Land $146,400 Building $643,370
2022	$3,287.00

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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