15396 Saddle Ridge Cir, Terrell, TX 75160 Property Records

Kaufman County property record for 15396 Saddle Ridge Cir, Terrell, TX 75160

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,371 sqft · built 2006
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Last Sale	$335,195 (Jun 2022)
Tax Bill	$4,917 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage Jun 2022 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R72385`

Property Details

APN / Parcel Number

Primary APN	`R72385`
Alternative APNs	`00.2270.0005.0015.00.06.00` `72385`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,371 sqft Living Area
Gross Area	1,932 sqft
1st Floor Area	1,371 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	141 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	15396 SADDLE RIDGE CIR
City	TERRELL
State	TX
Zip	75160-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONGSPUR ESTATES, BLOCK E, LOT 15
Legal Subdivision	LONGSPUR ESTATES
Legal Block	E
Legal Lot Number	15
Jurisdiction	KAUFMAN TX
Township / Civil Division	TERRELL
Census Block Group	2
Census Block	2011
Census Tract	50601

Owner

15396 Saddle Ridge Cir is owned and occupied by two individuals who bought it in June 2022.

Source: Kaufman County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056
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
Jul 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Jun 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Jun 2, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Aug 10, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage GATEWAY MORTGAGE GROUP LLC
Jul 29, 2019	Vendor's Lien, Transfer · FHA Mortgage GREAT WESTERN FINANCIAL SERVICES IN
Jul 29, 2019	Quit Claim Deed, Transfer REPUBLIC TITLE COMPANY, REPUBLIC TITLE/TX INC
Feb 19, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Prior Sale	Jul 29, 2019 · Amount on File
Deed Document Number	202221617
Deed Book / Page	7658 / 251
Prior Transfer Date	Jul 25, 2019
Prior Transfer Doc	0060850266
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAUFMAN TX
Property Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056

Mortgage

Document Number	0077090029
Date	Jul 6, 2022
Book Page	7709/29
Instrument	2022-0026073

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	35 Months
Due	Jun 1, 2025

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAUFMAN TX
Property Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056
Transaction Type	Mortgage
Record Updated	Jun 10, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056

Mortgage

Document Number	0076580269
Date	Jun 2, 2022
Book Page	7658/269
Instrument	2022-0021619

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jun 1, 2025

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAUFMAN TX
Recording Date	Jun 2, 2022
Property Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056
Document Number	0076580251
Book / Page	7658 / 251
Map Reference	CAB 2 ENV 675
Instrument Date	Jun 1, 2022
Instrument	2022-0021617
Transaction Type	Transfer
Record Updated	Jun 10, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056

Mortgage

Document Number	20220021618
Date	Jun 2, 2022
Instrument	2022-0021618

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAUFMAN TX
Property Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057670402
Date	Aug 10, 2018
Book Page	5767/402
Instrument	2018-0019850

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KAUFMAN TX
Recording Date	Jul 29, 2019
Property Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056
Document Number	0060850266
Book / Page	6085 / 266
Map Reference	CAB 2 ENV 675
Instrument Date	Jul 25, 2019
Instrument	2019-0017678
Transaction Type	Transfer
Record Updated	Oct 8, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056

Mortgage

Document Number	20190017679
Date	Jul 29, 2019
Instrument	2019-0017679

Lender

Name	GREAT WESTERN FINANCIAL SERVICES IN
Type	Subprime Lender
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KAUFMAN TX
Recording Date	Jul 29, 2019
Property Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056
Document Number	0060850263
Book / Page	006085 / 000263
Instrument Date	Jul 10, 2019
Instrument	17677
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	REPUBLIC TITLE COMPANY, REPUBLIC TITLE/TX INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15396 SADDLE RIDGE CIR TERRELL TX 751601056, TERRELL, TX 75160-1056

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KAUFMAN TX
Recording Date	Feb 19, 2019
Property Address	15396 SADDLE RIDGE CIR, TERRELL, TX 75160-1056
Document Number	0059350329
Book / Page	005935 / 000329
Instrument Date	Feb 16, 2019
Instrument	3639
Transaction Type	Transfer
Record Updated	Feb 26, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	15396 SADDLE RIDGE CIR TERRELL TX 751601056, TERRELL, TX 75160-1056

Tax Assessment & Valuation

The 2025 property tax bill for 15396 Saddle Ridge Cir was $4,917, down 7.2% 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	$4,917.00 (-7.24%)	$279,528 Land $95,000 Building $184,528	$279,528 Land $95,000 Building $184,528
2024	$5,301.00 (-2.18%)
2023	$5,419.00 (+35.41%) Homeowner's exemption	$320,535 Land $80,000 Building $240,535	$320,535 Land $80,000 Building $240,535
2022	$4,002.00

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

Flood

FEMA maps place 15396 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 15396 Saddle Ridge Cir 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 61% 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 47 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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