190 Saddle Rdg, Spring Branch, TX 78070 Property Records

Comal County property record for 190 Saddle Rdg, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,395 sqft · built 2005
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,099,245 (Apr 2026)
Tax Bill	$8,939 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`45-0712-0167-00`

Property Details

APN / Parcel Number

Primary APN	`45-0712-0167-00`
Alternative APN	`49933`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,395 sqft Living Area
Gross Area	5,526 sqft
1st Floor Area	4,395 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2011
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	60,113 sqft
Garage Type	Attached
Garage Area	548 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	644 sqft
Sports Court	Sports Court

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	190 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 167
Legal Subdivision	RIVER CROSSING 2
Legal Block	3
Legal Lot Number	167
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	2 Individual Names on Record
Mailing Address	190 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Commercial Mortgage BROADWAY NATIONAL BANK
Apr 21, 2026	Special Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Apr 21, 2026	Deed, Transfer STEWART TITLE
Feb 9, 2018	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Apr 21, 2026
Deed Document Number	202611585
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	190 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 SADDLE RDG, SPRING BRANCH, TX 78070-5973

Mortgage

Document Number	0006062179
Date	Dec 6, 2021
Instrument	202106062179

Lender

Name	BROADWAY NATIONAL BANK
Type	Bank
Address	SAN ANTONIO, TX 78217

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	15 Months
Due	Mar 5, 2023

Interest

Rate Type	Adjustable Rate

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COMAL TX
Recording Date	Apr 21, 2026
Property Address	190 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0000011585
Instrument Date	Apr 21, 2026
Instrument	2026.11585
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 SADDLE RDG, SPRING BRANCH, TX 78070-5973

Mortgage

Document Number	0000001586,
Date	Apr 21, 2026
Instrument	2026.1586

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COMAL TX
Recording Date	Apr 21, 2026
Property Address	190 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0000011584
Instrument Date	Apr 21, 2026
Instrument	202611584
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Investor	Possibly a Property Investor

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	190 SADDLE RDG, SPRING BRANCH, TX 78070-5973
Document Number	0006005900
Instrument Date	Feb 9, 2018
Transaction Type	Mortgage
Record Updated	Feb 23, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	190 SADDLE RDG SPRING BRANCH TX 780705973, SPRING BRANCH, TX 78070-5973

Mortgage

Document Number	0006005900
Date	Feb 14, 2018
Instrument	6005900

Lender

Name	BRANCH BK&TR
Type	Bank
Address	GREENVILLE, SC 29601

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 13, 2033

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		$817,580 (-2.15%) Land $166,320 Building $651,260	$817,580 (-2.15%) Land $166,320 Building $651,260
2025	$8,939.00 (-5.72%) Homeowner's exemption	$835,540 (-12.1%) Land $166,320 Building $669,220	$835,540 (-12.1%) Land $166,320 Building $669,220
2024	$9,481.00 (+16.56%)
2023		$950,610 Land $166,320 Building $784,290	$950,610 Land $166,320 Building $784,290
2022	$8,134.00

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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