15077 Saddle Ridge Cir, Terrell, TX 75160 Property Records

Kaufman County property record for 15077 Saddle Ridge Cir, Terrell, TX 75160

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,334 sqft · built 2016
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on File
Last Sale	$415,600 (Sep 2021)
Tax Bill	$5,308 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S2270003600`

Property Details

APN / Parcel Number

Primary APN	`S2270003600`
Alternative APNs	`00.2270.0002.0036.00.06.00` `R72406` `72406`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,334 sqft Living Area
Gross Area	2,909 sqft
1st Floor Area	1,748 sqft
2nd Floor Area	586 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	46,609 sqft (1.07 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	15077 SADDLE RIDGE CIR
City	TERRELL
State	TX
Zip	75160-1053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONGSPUR ESTATES, BLOCK B, LOT 36
Legal Subdivision	LONGSPUR ESTATES
Legal Block	B
Legal Lot Number	36
Jurisdiction	KAUFMAN TX
Township / Civil Division	TERRELL
Census Block Group	2
Census Block	2013
Census Tract	50601

Owner

15077 Saddle Ridge Cir is owned and occupied by two individuals who bought it in September 2021.

Source: Kaufman County records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15077 SADDLE RIDGE CIR, TERRELL, TX 75160-1053
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
Sep 2, 2021	Vendor's Lien, Transfer · Conventional Mortgage AFFIRM HOME LOANS LLC
Aug 2, 2019	Vendor's Lien, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 25, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2021 · Amount on File
Deed Sale	Sep 2, 2021 · Amount on File
Prior Sale	Aug 2, 2019 · Amount on File
Deed Document Number	202135860
Deed Book / Page	7191 / 362
Prior Transfer Date	Sep 1, 2021
Prior Transfer Doc	0071910362
Record Updated	Oct 29, 2026

September 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KAUFMAN TX
Recording Date	Sep 2, 2021
Property Address	15077 SADDLE RIDGE CIR, TERRELL, TX 75160-1053
Document Number	0071910362
Book / Page	7191 / 362
Map Reference	CAB 2 ENV 675
Instrument Date	Sep 1, 2021
Instrument	2021-0035860
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	INDEPENDENCE TITLE AGENCY, INDEPENDENCE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15077 SADDLE RIDGE CIR, TERRELL, TX 75160-1053

Mortgage

Document Number	20210035861
Date	Sep 2, 2021
Instrument	2021-0035861

Lender

Name	AFFIRM HOME LOANS LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

August 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KAUFMAN TX
Recording Date	Aug 2, 2019
Property Address	15077 SADDLE RIDGE CIR, TERRELL, TX 75160-1053
Document Number	0060940027
Book / Page	6094 / 027
Map Reference	CAB 2 ENV 675
Instrument Date	Aug 1, 2019
Instrument	2019-0018386
Transaction Type	Transfer
Record Updated	Oct 8, 2021
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15077 SADDLE RIDGE CIR, 15077, TERRELL, TX 75160-1053

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15077 SADDLE RIDGE CIR, TERRELL, TX 75160-1053

Mortgage

Document Number	20190018387
Date	Aug 2, 2019
Instrument	2019-0018387

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAUFMAN TX
Recording Date	Sep 25, 2018
Property Address	15077 SADDLE RIDGE CIR, TERRELL, TX 75160-1053
Document Number	0058150295
Book / Page	005815 / 000295
Instrument Date	Sep 24, 2018
Instrument	24254
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	729 CHISHOLM RIDGE DR ROCKWALL TX 750322653, ROCKWALL, TX 75032-2653

Tax Assessment & Valuation

The 2025 property tax bill for 15077 Saddle Ridge Cir was $5,308 with a homeowner's exemption, down 13.2% from the year before.

Source: Kaufman County assessment roll, as of August 6, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Kaufman County
Unified School District	Terrell Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,308.00 (-13.23%) Homeowner's exemption	$391,697 Land $95,000 Building $296,697	$391,697 Land $95,000 Building $296,697
2024	$6,117.00 (-23.72%)
2023	$8,019.00 (+17.12%)	$474,327 Land $80,000 Building $394,327	$474,327 Land $80,000 Building $394,327
2022	$6,847.00

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

Flood

FEMA maps place 15077 Saddle Ridge Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective October 8, 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Dec 2018 · other causes

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 15077 Saddle Ridge Cir is moderate, ranking above 52% 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 52% of the US · lower than 71% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Element8 Fixed Wireless	500 / 100
Wi-Five Broadband Fixed Wireless	100 / 100

May also be available: T-Mobile, Verizon.

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