3403 Whisper Branch, Schertz, TX 78154 Property Records

Guadalupe County property record for 3403 Whisper Branch, Schertz, TX 78154

Property Summary

Property Type	Single Family Home
Details	2,399 sqft · built 2005
Lot Size	0.185 acres (8,041 sqft)
Owner	Individual Name on Record
Last Sale	$316,074 (Jan 2022)
Tax Bill	$3,668 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Sep 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1G3563303201500000`

Property Details

APN / Parcel Number

Primary APN	`1G3563303201500000`
Alternative APNs	`000000120728` `000000266363` `120728`

Interior

Stories	2 Stories
Building Area	2,399 sqft Living Area
Gross Area	2,899 sqft
1st Floor Area	1,219 sqft
2nd Floor Area	1,180 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,041 sqft (0.185 acres)
Lot Dimensions	106 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3403 WHISPER BR
City	SCHERTZ
State	TX
Zip	78154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #3 BLOCK 32 LOT 15
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #3
Legal Tract	15
Legal Block	32
Legal Lot Number	15
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3005
Census Tract	210613

Owner

Source: Guadalupe County records, as of August 12, 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	3403 WHISPER BR, SCHERTZ, TX 78108-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Sep 11, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RANDOLPH BROOKS FCU
Jan 4, 2022	Vendor's Lien, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Mar 5, 2021	Intrafamily Transfer, Transfer · Stand-Alone First Mortgage KAREN MAPLES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2022 · Amount on Record
Deed Sale	Jan 4, 2022 · Amount on Record
Prior Sale	Mar 5, 2021 · Amount on Record
Deed Document Number	2022263
Prior Transfer Date	Jan 25, 2021
Prior Transfer Doc	0000007452
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3403 WHISPER BR, SCHERTZ, TX 78108-2313
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 WHISPER BR, SCHERTZ, TX 78108-2313

Mortgage

Document Number	0099019890
Date	Aug 8, 2023
Instrument	202399019890

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	16 Months
Due	Dec 30, 2024

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3403 WHISPER BR, SCHERTZ, TX 78108-2313
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099022930
Date	Sep 11, 2025
Instrument	202599022930

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

January 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Jan 4, 2022
Property Address	3403 WHISPER BR, SCHERTZ, TX 78108-2313
Document Number	0099000263
Map Reference	VOL 6 PG 767-768
Instrument Date	Dec 30, 2021
Instrument	202299000263
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 WHISPER BR, SCHERTZ, TX 78108-2313

Mortgage

Document Number	0099000264
Date	Jan 4, 2022
Instrument	202299000264

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GUADALUPE TX
Recording Date	Mar 5, 2021
Property Address	3403 WHISPER BR, SCHERTZ, TX 78108-2313
Document Number	0099007452
Map Reference	VOL 6 PG 767&768
Instrument Date	Jan 25, 2021
Instrument	202199007452
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	136 N WILLOW WAY, CIBOLO, TX 78108-3245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 WHISPER BREEZE, SCHERTZ, TX 78108

Mortgage

Document Number	0099007453
Date	Mar 5, 2021
Instrument	202199007453

Lender

Name	KAREN MAPLES
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	1 Months
Due	Apr 20, 2021

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Guadalupe County
Municipality	Schertz City
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		$286,303 (+5.78%) Land $48,776 Building $237,527	$286,303 (+5.78%) Land $48,776 Building $237,527
2025	$3,668.00 (-41.71%)	$270,658 (-12%) Land $36,840 Building $233,818	$270,658 (-12%) Land $36,840 Building $233,818
2024	$6,293.00 (+4.95%)
2023	$5,996.00 (-2.49%)	$307,581 Land $49,696 Building $257,885	$307,581 Land $49,696 Building $257,885
2022	$6,149.00

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 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% 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	CITY OF SCHERTZ serves 41,948 people · EPA ID TX0940003
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 547 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
Guadalupe Valley Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: VTX Communications.

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