3445 Whisper Bluff, Schertz, TX 78154 Property Records

Guadalupe County property record for 3445 Whisper Bluff, Schertz, TX 78154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,799 sqft · built 2004
Lot Size	0.126 acres (5,500 sqft)
Owner	Company Name on File
Tax Bill	$3,745 (2025)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G3563201902100000`

Property Details

APN / Parcel Number

Primary APN	`1G3563201902100000`
Alternative APNs	`000000112374` `000000166359` `112374`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,799 sqft Living Area
Gross Area	3,298 sqft
1st Floor Area	1,218 sqft
2nd Floor Area	1,581 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
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	399 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	122 sqft
Patio Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3445 WHISPER BLF
City	SCHERTZ
State	TX
Zip	78154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #2 BLOCK 19 LOT 21
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #2
Legal Tract	21
Legal Block	19
Legal Lot Number	21
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	2
Census Block	2005
Census Tract	210613

Owner

3445 Whisper Bluff is owned by a company that acquired it in February 2026.

Source: Guadalupe County records, as of August 17, 2026

Owner of Record	Company Name on File
Mailing Address	226 MADISON CT, SUNNYVALE, TX 75182-1002
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2026
Deed Sale	Feb 9, 2026
Prior Sale	Sep 30, 2013 · Amount on File
Deed Document Number	20263007
Prior Transfer Date	Jan 31, 2014
Prior Transfer Doc	0000003707
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3445 WHISPER BLF, SCHERTZ, TX 78108-2269
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 WHISPER BLF, SCHERTZ, TX 78108-2269

Mortgage

Document Number	0099017023
Date	May 31, 2022
Instrument	202299017023

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	274 Months
Due	Mar 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 3445 Whisper Bluff was $3,745, down 29.8% from the year before.

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		$306,579 (+8.66%) Land $40,703 Building $265,876	$306,579 (+8.66%) Land $40,703 Building $265,876
2025	$3,745.00 (-29.79%) Homeowner's exemption Veteran's exemption	$282,154 Land $28,726 Building $253,428	$282,154 Land $28,726 Building $253,428
2024	$5,334.00 (+9.75%)
2023	$4,860.00 (-11.75%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$321,498 Land $40,007 Building $281,491	$321,498 Land $40,007 Building $281,491
2022	$5,507.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3445 Whisper Bluff in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3445 Whisper Bluff is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% 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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Guadalupe Valley Electric Cooperative, Verizon.

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