Guadalupe County property record for 320 Saddle Spur, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,899 sqft · built 2014 |
| Lot Size | 0.14 acres (6,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,542 (2024) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G-3900-4012-00600-000 |
| Primary APN | 1G-3900-4012-00600-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,899 sqft Living Area |
| Gross Area | 3,319 sqft |
| 2nd Floor Area | 1,179 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Exterior Material | Combination |
| Construction Type | Stone |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,120 sqft (0.14 acres) |
| Lot Dimensions | 120 ft deep x 51 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 58 sqft |
| Deck Area | 48 sqft |
| Patio Area | 100 sqft |
| Storage Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Account Number | 000000259632 |
|---|---|
| Old Parcel Number | 1G3900401200600000 |
| State | TX |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK RANCH #4 BLOCK 12 LOT 6 .1405 AC |
| Legal Subdivision | SADDLE CREEK RANCH #4 |
| Legal Tract | 6 |
| Legal Block | 12 |
| Legal Lot Number | 6 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 210612 |
320 Saddle Spur is owned and occupied by an individual who acquired it in July 2021.
Source: Guadalupe County records, as of October 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| 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.
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA |
| Jul 22, 2021 | Vendor's Lien, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC |
| May 30, 2017 | Vendor's Lien, Transfer · FHA Mortgage SWBC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2021 |
| Deed Sale | Jul 22, 2021 |
| Prior Sale | May 30, 2017 |
| Deed Document Number | 202199025203 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | TX |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0099028779 |
|---|---|
| Date | Nov 14, 2025 |
| Instrument | 202599028779 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jul 22, 2021 |
| Property Address | TX |
| Document Number | 0099025203 |
| Map Reference | VOL 8 PG 84 |
| Instrument Date | Jun 20, 2021 |
| Instrument | 202199025203 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3635 FM 2200 W, MOORE, TX 78057-2531 |
| Name | Verified Name |
|---|---|
| Address | 320 SADDLE SPUR, CIBOLO, TX 78108-3499 |
| Document Number | 0099025204 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 202199025204 |
| Name | RESIDENTIAL WHOLESALE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | May 30, 2017 |
| Property Address | 320 SADDLE SPUR, CIBOLO, TX 78108-3499 |
| Document Number | 0000011858 |
| Map Reference | VOL8 PG84 |
| Instrument Date | May 26, 2017 |
| Instrument | 2017011858 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 320 SADDLE SPUR, CIBOLO, TX 78108-3499 |
| Document Number | 0000011859 |
|---|---|
| Date | May 30, 2017 |
| Instrument | 2017011859 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
Source: Guadalupe County assessment roll, as of July 25, 2025
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Cibolo City |
| County | Guadalupe County |
| Unified School District | Schertz-Cibolo-Universal City Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $392,695 Land $40,310 Building $352,385 | $392,695 Land $40,310 Building $352,385 | |
| 2024 | $6,542.00 (+1.36%) | ||
| 2023 | $6,454.00 (-9.84%) Homeowner's exemption | $445,749 Land $53,883 Building $391,866 | $445,749 Land $53,883 Building $391,866 |
| 2022 | $7,158.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Saddle Spur in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 27, 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 16 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 in force |
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 risk around 320 Saddle Spur is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GREEN VALLEY SUD serves 52,497 people · EPA ID TX0940020 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 791 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Guadalupe Valley Electric Cooperative, Hotwire Communications, Verizon, VTX Communications.
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