3423 Whisper Branch, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 3423 Whisper Branch, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,000 sqft · built 2005
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on Record
Last Sale	$207,800 (Oct 2015)
Tax Bill	$3,568 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G3563303201000000`

Property Details

APN / Parcel Number

Primary APN	`1G3563303201000000`
Alternative APNs	`000000120723` `000000189437` `120723`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,000 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	2,000 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	5,500 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

Exterior Amenities

Porch	Covered Porch
Porch Area	130 sqft
Deck Area	396 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3423 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 10 0.1263 AC
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #3
Legal Tract	10
Legal Block	32
Legal Lot Number	10
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	3423 WHISPER BR, SCHERTZ, TX 78108-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2015 · Amount on Record
Deed Sale	Oct 19, 2015 · Amount on Record
Prior Sale	May 10, 2006 · Amount on Record
Deed Document Number	201521586
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3423 WHISPER BR, SCHERTZ, TX 78108-2313
Document Number	0000007835
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3423 WHISPER BR SCHERTZ TX 781082313, SCHERTZ, TX 78108-2313

Mortgage

Document Number	0000007835
Date	Mar 31, 2020
Instrument	7835

Lender

Name	GATEWAY MTG GRP
Address	JENKS, OK 74037

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

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		$273,338 (+2.98%) Land $40,703 Building $232,635	$273,338 (+2.98%) Land $40,703 Building $232,635
2025	$3,568.00 (-26.98%) Homeowner's exemption	$265,433 (-12.5%) Land $28,726 Building $236,707	$265,433 (-12.5%) Land $28,726 Building $236,707
2024	$4,886.00 (+12.3%)
2023	$4,351.00 (-13.12%) Homeowner's exemption	$303,359 Land $40,007 Building $263,352	$303,359 Land $40,007 Building $263,352
2022	$5,008.00

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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