186 Saddle Rdg, Spring Branch, TX 78070 Property Records

Comal County property record for 186 Saddle Rdg, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,254 sqft · built 2000
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$387,500 (Nov 2005)
Tax Bill	$1,783 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-0712-0168-00`

Property Details

APN / Parcel Number

Primary APN	`45-0712-0168-00`
Alternative APN	`49934`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,254 sqft Living Area
Gross Area	3,464 sqft
1st Floor Area	3,254 sqft
Upper Floors Area	648 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2008
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	44,867 sqft
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Covered Porch
Porch Area	176 sqft
Deck Area	168 sqft
Patio Area	168 sqft
Greenhouse	240 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	186 SADDLE RDG
City	SPRING BRANCH
State	TX
Zip	78070-5973
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER CROSSING 2, LOT 168
Legal Subdivision	RIVER CROSSING 2
Legal Block	3
Legal Lot Number	168
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	Individual Name on Record
Mailing Address	186 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2005 · Amount on Record
Deed Sale	Nov 23, 2005 · Amount on Record
Deed Document Number	20056044476
Prior Transfer Date	Feb 14, 2005
Prior Transfer Doc	0006044476
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	186 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006052443
Date	Oct 6, 2021
Instrument	202106052443

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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		$618,320 (-2.46%) Land $146,400 Building $471,920	$618,320 (-2.46%) Land $146,400 Building $471,920
2025	$1,783.00 (-34.38%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$633,930 (-12.14%) Land $146,400 Building $487,530	$633,930 (-12.14%) Land $146,400 Building $487,530
2024	$2,717.00 (+4.38%)
2023		$721,510 Land $146,400 Building $575,110	$721,510 Land $146,400 Building $575,110
2022	$2,603.00

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 51% of the US · lower than 73% of Texas
Wildfire Likelihood	0.09% 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.

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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