324 Saddle Rdg, Cibolo, TX 78108 Property Records

Guadalupe County property record for 324 Saddle Rdg, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,396 sqft · built 2008
Lot Size	0.225 acres (9,808 sqft)
Owner	Individual Name on File
Last Sale	$233,100 (Jul 2008)
Tax Bill	$4,897 (2025)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G39002B0203100000`

Property Details

APN / Parcel Number

Primary APN	`1G39002B0203100000`
Alternative APNs	`000000132170` `000000110527` `132170`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,396 sqft Living Area
Gross Area	2,967 sqft
1st Floor Area	1,073 sqft
2nd Floor Area	1,323 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,808 sqft (0.225 acres)
Lot Dimensions	138 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	83 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	324 SADDLE RDG
City	CIBOLO
State	TX
Zip	78108-4357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE CREEK RANCH #2B BLOCK 2 LOT 31 0.2252 AC
Legal Subdivision	SADDLE CREEK RANCH #2B
Legal Tract	31
Legal Block	2
Legal Lot Number	31
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1007
Census Tract	210612

Owner

324 Saddle Rdg is owned and occupied by an individual who bought it in July 2008.

Source: Guadalupe County records, as of August 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	324 SADDLE RDG, CIBOLO, TX 78108-4357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2008 · Amount on File
Deed Sale	Jul 3, 2008 · Amount on File
Deed Document Number	200812703
Deed Book / Page	2641 / 123
Prior Transfer Date	Jun 24, 2008
Prior Transfer Doc	0000012703
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	324 SADDLE RDG, CIBOLO, TX 78108-4357
Document Number	0000000528
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SADDLE RDG CIBOLO TX 781084357, CIBOLO, TX 78108-4357

Mortgage

Document Number	0000000528
Date	Jan 4, 2019
Instrument	528

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148-2097

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 3, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 324 Saddle Rdg was $4,897 with a homeowner's exemption, down 5.8% from the year before.

Source: Guadalupe County assessment roll, as of August 12, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Cibolo City
County	Guadalupe County
Unified School District	Schertz-Cibolo-Universal City Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$320,844 (-3.6%) Land $53,801 Building $267,043	$320,844 (-3.6%) Land $53,801 Building $267,043
2025	$4,897.00 (-5.85%) Homeowner's exemption	$332,812 Land $55,210 Building $277,602	$332,812 Land $55,210 Building $277,602
2024	$5,201.00 (+14.03%)
2023	$4,561.00 (-12.96%) Homeowner's exemption	$384,429 Land $70,778 Building $313,651	$384,429 Land $70,778 Building $313,651
2022	$5,240.00

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

Flood

FEMA maps place 324 Saddle Rdg 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

Wildfire risk around 324 Saddle Rdg is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.05% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Guadalupe Valley Electric Cooperative, Verizon, VTX Communications.