3414 Whisper Trce, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 3414 Whisper Trce, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	2,212 sqft · built 2005
Lot Size	0.136 acres (5,940 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Sep 2020)
Tax Bill	$3,175 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1G3563303200400000`

Property Details

APN / Parcel Number

Primary APN	`1G3563303200400000`
Alternative APNs	`000000120717` `000000248883` `120717`

Interior

Stories	2 Stories
Building Area	2,212 sqft Living Area
Gross Area	2,751 sqft
1st Floor Area	987 sqft
2nd Floor Area	1,225 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	5,940 sqft (0.136 acres)
Lot Dimensions	110 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	172 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3414 WHISPER TRCE
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 4
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #3
Legal Tract	4
Legal Block	32
Legal Lot Number	4
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3005
Census Tract	210613

Owner

Source: Guadalupe County assessment roll, 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	2 Individual Names on File
Mailing Address	3414 WHISPER TRCE, SCHERTZ, TX 78108-2310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2017	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Sep 17, 2020	Warranty Deed, Transfer MOVEMENT MTG
Aug 23, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE FIN'L SVCS
May 30, 2018	Loan Modification, Mortgage · FHA Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Prior Sale	Aug 23, 2018 · Amount on Record
Deed Document Number	202099022745
Prior Transfer Date	Sep 15, 2020
Prior Transfer Doc	0099022745
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3414 WHISPER TRCE, SCHERTZ, TX 78108-2310
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002106
Date	Jan 27, 2017
Instrument	2017002106

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Sep 17, 2020
Property Address	3414 WHISPER TRCE, SCHERTZ, TX 78108-2310
Document Number	0000025745
Instrument Date	Sep 15, 2020
Instrument	25745
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3414 WHISPER TRCE SCHERTZ TX 781082310, SCHERTZ, TX 78108-2310

Mortgage

Document Number	25746
Date	Sep 17, 2020
Instrument	25746

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Aug 23, 2018
Property Address	3414 WHISPER TRCE, SCHERTZ, TX 78108-2310
Document Number	0000019393
Instrument Date	Aug 17, 2018
Instrument	19393
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3414 WHISPER TRCE SCHERTZ TX 781082310, SCHERTZ, TX 78108-2310

Mortgage

Document Number	19394
Date	Aug 23, 2018
Instrument	19394

Lender

Name	MORTGAGE FIN'L SVCS
Type	Mortgage Company
Address	FLOWER MOUND, TX 75028

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2048

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GUADALUPE TX
Property Address	3414 WHISPER TRCE, SCHERTZ, TX 78108-2310
Document Number	0000014881
Instrument Date	May 30, 2018
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3414 WHISPER TRCE SCHERTZ TX 781082310, SCHERTZ, TX 78108-2310

Mortgage

Document Number	0000014881
Date	Jul 5, 2018
Instrument	14881

Lender

Name	HOME PT FIN'L

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

Interest

Rate Type	Fixed Rate
Rate	5.12%

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		$259,747 (+6.04%) Land $42,149 Building $217,598	$259,747 (+6.04%) Land $42,149 Building $217,598
2025	$3,175.00 (-17.49%) Homeowner's exemption	$244,952 (-9.99%) Land $30,173 Building $214,779	$244,952 (-9.99%) Land $30,173 Building $214,779
2024	$3,848.00 (-7.23%)
2023	$4,148.00 (-14.98%) Homeowner's exemption	$272,126 Land $41,705 Building $230,421	$272,126 Land $41,705 Building $230,421
2022	$4,879.00

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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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: Valley Telephone Cooperative, Inc. (TX).

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