189 Kemper Dr, Spring Branch, TX 78070 Property Records

Comal County property record for 189 Kemper Dr, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,321 sqft · built 2007
Lot Size	1.33 acres (58,370 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,483 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jan 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`45-0712-0727-00`

Property Details

APN / Parcel Number

Primary APN	`45-0712-0727-00`
Alternative APN	`105167`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,321 sqft Living Area
Gross Area	3,762 sqft
1st Floor Area	3,321 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	58,370 sqft
Garage Type	Detached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	914 sqft
Deck Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	189 KEMPER DR
City	SPRING BRANCH
State	TX
Zip	78070-6041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER CROSSING 3, LOT 727
Legal Subdivision	RIVER CROSSING 3
Legal Block	3
Legal Lot Number	727
Jurisdiction	COMAL TX
Township / Civil Division	CANYON LAKE
Census Block Group	3
Census Block	3015
Census Tract	310703

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	189 KEMPER DR, SPRING BRANCH, TX 78070-6041
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Jan 19, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 17, 2024
Transfer Doc	0000001660
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	189 KEMPER DR, SPRING BRANCH, TX 78070-6041
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0006048565
Date	Nov 14, 2022
Instrument	202206048565

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	ARLINGTON, TX 76013

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMAL TX
Recording Date	Jan 19, 2024
Property Address	189 KEMPER DR, SPRING BRANCH, TX 78070-6041
Document Number	0006001660
Map Reference	VOL 14 PG 22-26
Instrument Date	Jan 17, 2024
Instrument	202406001660
Transaction Type	Transfer
Record Updated	Jan 31, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	189 KEMPER DR, SPRING BRANCH, TX 78070-6041

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		$822,340 (-2.03%) Land $163,960 Building $658,380	$822,340 (-2.03%) Land $163,960 Building $658,380
2025	$5,483.00 (-13.71%) Homeowner's exemption Senior Citizen's exemption	$839,400 (-11.41%) Land $163,960 Building $675,440	$839,400 (-11.41%) Land $163,960 Building $675,440
2024	$6,354.00 (+8.97%)
2023		$947,560 Land $163,960 Building $783,600	$947,560 Land $163,960 Building $783,600
2022	$5,831.00

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 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.06% 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GVTC Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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