15550 Saddle Ridge Cir, Terrell, TX 75160 Property Records

Kaufman County property record for 15550 Saddle Ridge Cir, Terrell, TX 75160

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,842 sqft · built 2016
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$298,500 (Feb 2020)
Tax Bill	$6,143 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S2270000800`

Property Details

APN / Parcel Number

Primary APN	`S2270000800`
Alternative APNs	`00.2270.0005.0008.00.06.00` `R72378` `72378`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,842 sqft Living Area
Gross Area	3,516 sqft
1st Floor Area	2,358 sqft
2nd Floor Area	484 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	15550 SADDLE RIDGE CIR
City	TERRELL
State	TX
Zip	75160-1049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONGSPUR ESTATES, BLOCK E, LOT 8
Legal Subdivision	LONGSPUR ESTATES
Legal Block	E
Legal Lot Number	8
Jurisdiction	KAUFMAN TX
Township / Civil Division	TERRELL
Census Block Group	2
Census Block	2011
Census Tract	50601

Owner

15550 Saddle Ridge Cir is owned and occupied by two individuals who bought it in February 2020.

Source: Kaufman County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15550 SADDLE RIDGE CIR, TERRELL, TX 75160-1049
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
Feb 20, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 23, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 6, 2020	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG
Feb 7, 2017	Vendor's Lien, Transfer · FHA Mortgage WR STARKEY MORTGAGE LLP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2020 · Amount on File
Deed Sale	Feb 6, 2020 · Amount on File
Prior Sale	Feb 7, 2017 · Amount on File
Deed Document Number	20203462
Deed Book / Page	6295 / 3
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAUFMAN TX
Property Address	15550 SADDLE RIDGE CIR, TERRELL, TX 75160-1049
Transaction Type	Mortgage
Record Updated	Mar 1, 2024
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15550 SADDLE RIDGE CIR, TERRELL, TX 75160-1049

Mortgage

Document Number	0083900073
Date	Feb 20, 2024
Book Page	8390/73
Instrument	2024-0004553

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	478 Months
Due	Dec 1, 2063

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAUFMAN TX
Property Address	15550 SADDLE RIDGE CIR, TERRELL, TX 75160-1049
Transaction Type	Mortgage
Record Updated	Dec 3, 2021
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVRJS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15550 SADDLE RIDGE CIR, TERRELL, TX 75160-1049

Mortgage

Document Number	0073380193
Date	Nov 23, 2021
Book Page	7338/193
Instrument	2021-0048334

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAUFMAN TX
Recording Date	Feb 6, 2020
Property Address	15550 SADDLE RIDGE CIR, TERRELL, TX 75160-1049
Document Number	0062950003
Book / Page	006295 / 000003
Instrument Date	Oct 25, 2019
Instrument	3462
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	TEXAS PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15550 SADDLE RIDGE CIR TERRELL TX 751601049, TERRELL, TX 75160-1049

Mortgage

Document Number	62950007
Date	Feb 6, 2020
Book Page	006295/000007
Instrument	3463

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2050

February 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KAUFMAN TX
Recording Date	Feb 7, 2017
Property Address	15550 SADDLE RIDGE CIR, TERRELL, TX 75160-1049
Document Number	0052580377
Book / Page	5258 / 377
Map Reference	CAB2 ENV675
Instrument Date	Feb 3, 2017
Instrument	2017-0002807
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	15550 SADDLE RIDGE CIR, TERRELL, TX 75160-1049

Mortgage

Document Number	20170002808
Date	Feb 7, 2017
Instrument	2017-0002808

Lender

Name	WR STARKEY MORTGAGE LLP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 15550 Saddle Ridge Cir was $6,143 with a homeowner's exemption, up 2.9% 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	$6,143.00 (+2.92%) Homeowner's exemption	$439,146 Land $95,000 Building $344,146	$439,146 Land $95,000 Building $344,146
2024	$5,969.00 (+11.72%)
2023	$5,343.00 (-13.56%) Homeowner's exemption	$532,989 Land $80,000 Building $452,989	$532,989 Land $80,000 Building $452,989
2022	$6,181.00

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

Flood

FEMA maps place 15550 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 15550 Saddle Ridge Cir is moderate, ranking above 54% 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 54% of the US · lower than 68% 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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