187 Fossil Hills Loop, Spring Branch, TX 78070 Property Records

Comal County property record for 187 Fossil Hills Loop, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,442 sqft · built 2019
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,193 (2023)
Deeds & Mortgages	Jun 2021 Line of Credit Sep 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`45-0713-0005-00`

Property Details

APN / Parcel Number

Primary APN	`45-0713-0005-00`
Alternative APN	`107274`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	4,442 sqft Living Area
Gross Area	5,631 sqft
1st Floor Area	4,442 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stone
Roof Type	Hip
Roof Material	Metal
Lot Area	43,560 sqft
View / Lot	Golf Course
Garage Type	Attached
Garage Area	925 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	463 sqft
Deck Area	807 sqft
Patio Area	807 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	187 FOSSIL HILLS LOOP
City	SPRING BRANCH
State	TX
Zip	78070-6033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OVERLOOK AT RIVER CROSSING (THE), LOT 5, LIFE ESTATE LIFE ESTATE
Legal Subdivision	OVERLOOK AT RIVER CROSSING (THE)
Legal Block	3
Legal Lot Number	5
Jurisdiction	COMAL TX
Township / Civil Division	CANYON LAKE
Census Block Group	3
Census Block	3011
Census Tract	310703

Owner

187 Fossil Hills Loop is owned and occupied by two individuals who acquired it in September 2025.

Source: Comal County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033
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
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit RANDOLPH BROOKS FCU
Sep 23, 2025	Transfer on Death Deed, Transfer
Sep 23, 2025	Transfer on Death Deed, Transfer
Oct 24, 2018	Deed of Trust, Mortgage · Construction Mortgage ZIONS BANCORPORATION NA
Nov 1, 2019	Loan Modification, Mortgage AMEGY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 23, 2025
Transfer Doc	0000030723
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006034618
Date	Jun 28, 2021
Instrument	202106034618

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	COMAL TX
Recording Date	Sep 23, 2025
Property Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033
Document Number	0006030723
Map Reference	DOC 200306033651
Instrument Date	Sep 23, 2025
Instrument	202506030723
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	COMAL TX
Recording Date	Sep 23, 2025
Property Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033
Document Number	0006030722
Map Reference	DOC 200306033651
Instrument Date	Sep 23, 2025
Instrument	202506030722
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006041624
Date	Oct 24, 2018
Instrument	201806041624

Lender

Name	ZIONS BANCORPORATION NA
Type	Non-Lending Institution
Address	HOUSTON, TX 77027

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	10.3%
Index	1-Year LIBOR
Max Rate	10.3%

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COMAL TX
Property Address	187 FOSSIL HILLS LOOP, SPRING BRANCH, TX 78070-6033
Document Number	0006043315
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	187 FOSSIL HILLS LOOP SPRING BRANCH TX 780706033, SPRING BRANCH, TX 78070-6033

Mortgage

Document Number	0006043315
Date	Dec 2, 2019
Instrument	6043315

Lender

Name	AMEGY BK
Type	Bank
Address	ROSENBERG, TX 77471

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%

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		$1,522,414 (+1%)	$1,552,610 (-0.14%) Land $215,630 Building $1,336,980
2025		$1,384,013 (+1%) Land $215,630 Building $1,339,150	$1,554,780 (+1.7%) Land $215,630 Building $1,339,150
2024		$1,258,194 (-25.69%) Land $215,630 Building $1,313,120	$1,528,750 (-9.71%) Land $215,630 Building $1,313,120
2023	$11,193.00 Homeowner's exemption	$1,693,210 Land $215,630 Building $1,477,580	$1,693,210 Land $215,630 Building $1,477,580
2022	$11,193.00

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

Flood

FEMA maps place 187 Fossil Hills Loop in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.

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 File 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

Wildfire risk around 187 Fossil Hills Loop is moderate, ranking above 61% 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 61% of the US · above 45% of Texas
Wildfire Likelihood	0.1% 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 101 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: Verizon.

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