190 Whispering Glen, Spring Branch, TX 78070 Property Records

Comal County property record for 190 Whispering Glen, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	6.5 ba · 4,392 sqft · built 2002
Lot Size	1.27 acres (55,583 sqft)
Owner	2 Trust Names on File
Last Sale	$655,000 (Jul 2019)
Tax Bill	$9,094 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-0712-0592-00`

Property Details

APN / Parcel Number

Primary APN	`45-0712-0592-00`
Alternative APN	`105016`

Interior

Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,392 sqft Living Area
Gross Area	5,956 sqft
1st Floor Area	4,392 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	55,583 sqft
Garage Type	Attached
Garage Area	1,084 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Covered Porch
Porch Area	666 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	190 WHISPERING GLN
City	SPRING BRANCH
State	TX
Zip	78070-4917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER CROSSING 3, LOT 592
Legal Subdivision	RIVER CROSSING 3
Legal Block	3
Legal Lot Number	592
Jurisdiction	COMAL TX
Township / Civil Division	CANYON LAKE
Census Block Group	3
Census Block	3013
Census Tract	310703

Owner

190 Whispering Glen is owner-occupied and held in a trust since February 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	190 WHISPERING GLN, SPRING BRANCH, TX 78070-4917
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Mar 8, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE FINANCIAL SERVICES LLC
Jul 18, 2019	Vendor's Lien, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2019 · Amount on File
Deed Sale	Jul 18, 2019 · Amount on File
Prior Sale	Oct 15, 2007
Deed Document Number	201924692
Last Transfer Date	Feb 18, 2025
Transfer Doc	0000006194
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	190 WHISPERING GLN, SPRING BRANCH, TX 78070-4917
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	PRESIDIO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011674
Date	Mar 8, 2021
Instrument	202100011674

Lender

Name	MORTGAGE FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	FLOWER MOUND, TX 75028

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COMAL TX
Recording Date	Jul 18, 2019
Property Address	190 WHISPERING GLN, SPRING BRANCH, TX 78070-4917
Document Number	0006024692
Map Reference	VO L 14 PG 22-26
Instrument Date	Jul 17, 2019
Instrument	201906024692
Transaction Type	Transfer
Record Updated	Oct 8, 2021
Title Company	STC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 WHISPERING GLN, SPRING BRANCH, TX 78070-4917

Mortgage

Document Number	0006024694
Date	Jul 18, 2019
Instrument	201906024694

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

The 2025 property tax bill for 190 Whispering Glen was $9,094, down 4.2% from the year before.

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		$830,211 (-11.21%) Land $159,890 Building $670,321	$830,211 (-11.21%) Land $159,890 Building $670,321
2025	$9,094.00 (-4.23%)	$935,000 Land $159,890 Building $775,110	$935,000 Land $159,890 Building $775,110
2024	$9,496.00
2023		$1,057,200 Land $159,890 Building $897,310	$1,057,200 Land $159,890 Building $897,310
2022	$8,153.00

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

Flood

FEMA maps place 190 Whispering Glen 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 190 Whispering Glen is moderate, ranking above 53% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 69% of Texas
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GVTC Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

May also be available: Spectrum.

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