3500 Willows Ranch, Schertz, TX 78154 Property Records

Guadalupe County property record for 3500 Willows Ranch, Schertz, TX 78154

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,241 sqft · built 2016
Lot Size	0.265 acres (11,554 sqft)
Owner	2 Individual Names on File
Last Sale	$415,500 (Jul 2016)
Tax Bill	$6,987 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G1544101800900000`

Property Details

APN / Parcel Number

Primary APN	`1G1544101800900000`
Alternative APNs	`000000157370` `000000198806` `157370`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,241 sqft Living Area
Gross Area	3,884 sqft
1st Floor Area	1,956 sqft
2nd Floor Area	1,285 sqft
Utility Area	480 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,554 sqft (0.265 acres)
Lot Dimensions	138 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	24 sqft
Patio Area	119 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3500 WILLOWS RNCH
City	SCHERTZ
State	TX
Zip	78154-4402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENSINGTON RANCH ESTATES #1 BLOCK 18 LOT 9 0.2653 AC
Legal Subdivision	KENSINGTON RANCH ESTATES #1
Legal Tract	9
Legal Block	18
Legal Lot Number	9
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1000
Census Tract	210707

Owner

Source: Guadalupe County records · APN 1G1544101800900000

Assessment roll updated August 12, 2026 · Last verified August 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	3500 WILLOWS RNCH, SCHERTZ, TX 78154-4402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 05, 2016 · Amount on Record
Deed Sale	Jul 05, 2016 · Amount on Record
Deed Document Number	201614121
Prior Transfer Date	Jun 30, 2016
Prior Transfer Doc	0000014121
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3500 WILLOWS RNCH, SCHERTZ, TX 78154-4402
Transaction Type	Mortgage
Record Updated	Mar 03, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099004512
Date	Feb 08, 2021
Instrument	202199004512

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 01, 2036

Tax Assessment & Valuation

Source: Guadalupe County records · Assessment roll updated August 12, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$396,804 (-10.55%) Land $46,584 Building $350,220	$396,804 (-10.55%) Land $46,584 Building $350,220
2025	$6,987.00 (-7.26%) Homeowner's exemption	$443,588 (-2.85%) Land $50,198 Building $393,390	$443,588 (-2.85%) Land $50,198 Building $393,390
2024	$7,534.00 (+11.37%)
2023	$6,765.00 (-9.12%) Homeowner's exemption	$456,583 Land $68,512 Building $388,071	$456,583 Land $68,512 Building $388,071
2022	$7,444.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 1998 · Flooding 10/18/98
Claims by Event	Flooding 10/18/98, Oct 1998 · 2 claims

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 564 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF SCHERTZ serves 41,948 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.