Guadalupe County property record for 321 Saddle Spur, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,147 sqft · built 2013 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,839 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900401101100000 |
| Primary APN | 1G3900401101100000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,147 sqft Living Area |
| Gross Area | 2,899 sqft |
| 1st Floor Area | 2,147 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
|---|---|
| Porch Area | 84 sqft |
| Patio Area | 288 sqft |
| Storage Building | 96 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 321 SADDLE SPUR |
|---|---|
| City | CIBOLO |
| State | TX |
| Zip | 78108-3499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK RANCH #4 BLOCK 11 LOT 11 0.1377 AC |
| Legal Subdivision | SADDLE CREEK RANCH #4 |
| Legal Tract | 11 |
| Legal Block | 11 |
| Legal Lot Number | 11 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 210612 |
321 Saddle Spur is owned and occupied by two individuals who acquired it in August 2013.
Source: Guadalupe County records, as of August 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 SADDLE SPUR, CIBOLO, TX 78108-3499 |
| 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 3, 2020 | Deed of Trust, Mortgage · Line of Credit DISCOVER BANK |
| Aug 13, 2018 | Deed of Trust, Mortgage EMBRACE HM LOANS |
| Aug 4, 2017 | Deed of Trust, Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2013 |
| Deed Sale | Aug 29, 2013 |
| Deed Document Number | 201318870 |
| Deed Book / Page | 4134 / 236 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 321 SADDLE SPUR, CIBOLO, TX 78108-3499 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000031263 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 202000031263 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 321 SADDLE SPUR, CIBOLO, TX 78108-3499 |
| Document Number | 0000019383 |
| Instrument Date | Aug 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 321 SADDLE SPUR CIBOLO TX 781083499, CIBOLO, TX 78108-3499 |
| Document Number | 0000019383 |
|---|---|
| Date | Aug 23, 2018 |
| Instrument | 19383 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDIETOWN, RI 02842 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 22, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 321 SADDLE SPUR, CIBOLO, TX 78108-3499 |
| Document Number | 0000019208 |
| Instrument Date | Aug 4, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 321 SADDIE SPUR CIBOLO TX 78108, CIBOLO, TX 78108 |
| Document Number | 0000019208 |
|---|---|
| Date | Aug 11, 2017 |
| Instrument | 19208 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDIETOWN, RI 02842 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 10, 2047 |
The 2025 property tax bill for 321 Saddle Spur was $1,839 with exemptions applied, down 34.5% from the year before.
Source: Guadalupe County assessment roll, as of August 12, 2026
| 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 |
|---|---|---|---|
| 2026 | $331,100 (+1%) Land $42,315 Building $299,239 | $341,554 (+13.47%) Land $42,315 Building $299,239 | |
| 2025 | $1,839.00 (-34.51%) Homeowner's exemption Senior Citizen's exemption | $301,000 Land $39,830 Building $261,170 | $301,000 Land $39,830 Building $261,170 |
| 2024 | $2,808.00 (-0.18%) | ||
| 2023 | $2,813.00 (-38.91%) Homeowner's exemption Senior Citizen's exemption | $400,703 Land $53,339 Building $347,364 | $400,703 Land $53,339 Building $347,364 |
| 2022 | $4,605.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 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 321 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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