3413 Whisper Bluff, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 3413 Whisper Bluff, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,468 sqft · built 2004
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Jul 2021)
Tax Bill	$3,374 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G3563201902900000`

Property Details

APN / Parcel Number

Primary APN	`1G3563201902900000`
Alternative APNs	`000000112382` `000000258713` `112382`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,468 sqft Living Area
Gross Area	3,038 sqft
1st Floor Area	1,392 sqft
2nd Floor Area	1,076 sqft
Utility Area	64 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	150 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3413 WHISPER BLF
City	SCHERTZ
State	TX
Zip	78108-2269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #2 BLOCK 19 LOT 29
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #2
Legal Tract	29
Legal Block	19
Legal Lot Number	29
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	2
Census Block	2005
Census Tract	210613

Owner

Source: Guadalupe County records, as of September 11, 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	3413 WHISPER BLF, SCHERTZ, TX 78108-2269
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Jul 21, 2021
Deed Document Number	202199025060
Prior Transfer Date	Jul 12, 2021
Prior Transfer Doc	0099025060
Record Updated	Oct 29, 2026

July 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Jul 21, 2021
Property Address	3413 WHISPER BLF, SCHERTZ, TX 78108-2269
Document Number	0099025060
Map Reference	VOL 6 PG 609
Instrument Date	Jul 12, 2021
Instrument	202199025060
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3413 WHISPER BLF, SCHERTZ, TX 78108-2269

Mortgage

Document Number	0099025061
Date	Jul 21, 2021
Instrument	202199025061

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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		$287,672 (+7.25%) Land $40,703 Building $246,969	$287,672 (+7.25%) Land $40,703 Building $246,969
2025	$3,374.00 (-35.44%) Homeowner's exemption Additional exemption filed	$268,233 (-13.28%) Land $28,726 Building $239,507	$268,233 (-13.28%) Land $28,726 Building $239,507
2024	$5,226.00 (+7.27%)
2023	$4,872.00 (-23.71%)	$309,297 Land $40,007 Building $269,290	$309,297 Land $40,007 Building $269,290
2022	$6,386.00

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
Nearby Flood Policies	1 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 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.

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 561 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20