3404 Whisper Branch, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 3404 Whisper Branch, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,579 sqft · built 2005
Lot Size	0.122 acres (5,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$131,400 (Nov 2005)
Tax Bill	$2,744 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1G3563303001400000`

Property Details

APN / Parcel Number

Primary APN	`1G3563303001400000`
Alternative APNs	`000000120687` `000000187287` `120687`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,579 sqft Living Area
Gross Area	2,044 sqft
1st Floor Area	1,579 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	5,333 sqft (0.122 acres)
Lot Dimensions	104 ft deep x 51 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	45 sqft
Deck Area	237 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3404 WHISPER BLF
City	SCHERTZ
State	TX
Zip	78154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #3 BLOCK 30 LOT 14
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #3
Legal Tract	14
Legal Block	30
Legal Lot Number	14
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3001
Census Tract	210613

Owner

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	2 Individual Names on Record
Mailing Address	3404 WHISPER BR, SCHERTZ, TX 78108-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 23, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 10, 2025	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2005 · Amount on Record
Deed Sale	Nov 2, 2005 · Amount on Record
Deed Document Number	200522461
Deed Book / Page	2232 / 372
Prior Transfer Date	Oct 31, 2005
Prior Transfer Doc	0000022461
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3404 WHISPER BR, SCHERTZ, TX 78108-2313
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 WHISPER BR, SCHERTZ, TX 78108-2313

Mortgage

Document Number	0099037648
Date	Dec 20, 2022
Instrument	202299037648

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	272 Months
Due	Aug 1, 2045

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3404 WHISPER BR, SCHERTZ, TX 78108-2313
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 WHISPER BR, SCHERTZ, TX 78108-2313

Mortgage

Document Number	0099021130
Date	Aug 23, 2023
Instrument	202399021130

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Aug 1, 2045

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3404 WHISPER BR, SCHERTZ, TX 78108-2313
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 WHISPER BR, SCHERTZ, TX 78108-2313

Mortgage

Document Number	0099022850
Date	Sep 10, 2025
Instrument	202599022850

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Aug 1, 2045

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		$225,129 (+1.17%) Land $40,072 Building $185,057	$225,129 (+1.17%) Land $40,072 Building $185,057
2025	$2,744.00 (-29.62%) Homeowner's exemption	$222,536 (-14.15%) Land $28,123 Building $194,413	$222,536 (-14.15%) Land $28,123 Building $194,413
2024	$3,899.00 (+12.98%)
2023	$3,451.00 (-15.83%) Homeowner's exemption	$259,230 Land $39,295 Building $219,935	$259,230 Land $39,295 Building $219,935
2022	$4,100.00

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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