23202 Flat River Dr, Elmendorf, TX 78112 Property Records

Bexar County property record for 23202 Flat River Dr, Elmendorf, TX 78112

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,162 sqft · built 2011
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$234,900 (Aug 2018)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04131-209-0040`

Property Details

APN / Parcel Number

Primary APN	`04131-209-0040`
Alternative APN	`177580`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,162 sqft Living Area
1st Floor Area	3,162 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Roof Material	Asphalt
Lot Area	21,344 sqft (0.49 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	70 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	23202 FLAT RIVER DR
City	ELMENDORF
State	TX
Zip	78112-6295
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CB: 4131A BLK: 209 LOT: 4 WATERWOOD SUBD UNIT-68
Legal Subdivision	WATERWOOD SUB
Legal Tract	4
Legal Block	209
Legal Lot Number	4
Jurisdiction	BEXAR TX
Township / Civil Division	SAN ANTONIO SOUTH
Census Block Group	1
Census Block	1050
Census Tract	152202

Owner

Source: Bexar County records, as of May 26, 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	23202 FLAT RIVER DR, ELMENDORF, TX 78112-6295
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · VA Mortgage GARDNER FINANCIAL SERVICES LTD
Aug 29, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE LENDERS/AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2018 · Amount on Record
Deed Sale	Aug 29, 2018 · Amount on Record
Deed Document Number	2018170978
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEXAR TX
Property Address	23202 FLAT RIVER DR, ELMENDORF, TX 78112-6295
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000168003
Date	Jul 29, 2020
Instrument	20200168003

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Address	SAN ANTONIO, TX 78231

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEXAR TX
Recording Date	Aug 29, 2018
Property Address	23202 FLAT RIVER DR, ELMENDORF, TX 78112-6295
Document Number	0000170978
Instrument Date	Aug 23, 2018
Instrument	170978
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23202 FLAT RIVER DR ELMENDORF TX 781126295, ELMENDORF, TX 78112-6295

Mortgage

Document Number	170979
Date	Aug 29, 2018
Instrument	170979

Lender

Name	MORTGAGE LENDERS/AMERICA
Type	Mortgage Company
Address	OVERLAND PARK, KS 66211

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2048

Tax Assessment & Valuation

Source: Bexar County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bexar County
Municipality	Sandy Oaks City
Unified School District	Southside Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$366,230 (-0.17%) Land $66,150 Building $300,080	$366,230 (-0.17%) Land $66,150 Building $300,080
2023	Homeowner's exemption	$366,850 Land $56,440 Building $310,410	$366,850 Land $56,440 Building $310,410

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 12, 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Jun 2010 · rainfall accumulation

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 40% of the US · lower than 85% of Texas
Wildfire Likelihood	0.06% 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	SAN ANTONIO WATER SYSTEM serves 2,643,729 people · EPA ID TX0150018
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Alamo Broadband Fiber · Fixed Wireless	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200

May also be available: Spectrum, VTX Communications, ZipLink Internet.

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