3504 Whisper Trce, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 3504 Whisper Trce, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,579 sqft · built 2005
Lot Size	0.136 acres (5,940 sqft)
Owner	Individual Name on Record
Last Sale	$119,900 (Feb 2010)
Tax Bill	$1,722 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1G3563303200600000`

Property Details

APN / Parcel Number

Primary APN	`1G3563303200600000`
Alternative APNs	`000000120719` `000000126558` `120719`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,579 sqft Living Area
Gross Area	2,098 sqft
1st Floor Area	1,579 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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3504 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 6
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #3
Legal Tract	6
Legal Block	32
Legal Lot Number	6
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	3504 WHISPER TRCE, SCHERTZ, TX 78108-2311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage RANDOLPH BROOKS FCU
Jan 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage RANDOLPH BROOKS FCU
Aug 17, 2017	Deed of Trust, Mortgage · Construction Mortgage RANDOLPH BROOKS FCU
Feb 14, 2019	Deed of Trust, Mortgage RANDOLPH BROOKS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2010 · Amount on Record
Deed Sale	Feb 18, 2010 · Amount on Record
Prior Sale	Nov 9, 2009 · Amount on Record
Deed Document Number	20102533
Deed Book / Page	2841 / 545
Prior Transfer Date	Nov 3, 2009
Prior Transfer Doc	0000020069
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3504 WHISPER TRCE, SCHERTZ, TX 78108-2311
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3504 WHISPERTRCE, SCHERTZ, TX 78108-2311

Mortgage

Document Number	0099026924
Date	Oct 31, 2023
Instrument	202399026924

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2043

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3504 WHISPER TRCE, SCHERTZ, TX 78108-2311
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3504 WHISPER TRCE, SCHERTZ, TX 78108-2311

Mortgage

Document Number	0099001698
Date	Jan 23, 2025
Instrument	202599001698

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	133 Months
Due	Feb 1, 2036

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3504 WHISPER TRCE, SCHERTZ, TX 78108-2311
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019793
Date	Aug 17, 2017
Instrument	2017019793

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Sep 1, 2024

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	3504 WHISPER TRCE, SCHERTZ, TX 78108-2311
Document Number	0000003711
Instrument Date	Feb 14, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	MISSION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3504 WHISPER TRCE SCHERTZ TX 781082311, SCHERTZ, TX 78108-2311

Mortgage

Document Number	0000003711
Date	Feb 20, 2019
Instrument	3711

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148-2097

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Feb 19, 2039

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		$226,529 (+1.19%) Land $42,149 Building $184,380	$226,529 (+1.19%) Land $42,149 Building $184,380
2025	$1,722.00 (-18.85%) Homeowner's exemption Senior Citizen's exemption	$223,872 (-3.5%) Land $30,173 Building $193,699	$223,872 (-3.5%) Land $30,173 Building $193,699
2024	$2,122.00 (-0.09%)
2023	$2,124.00 (-46.78%) Homeowner's exemption Senior Citizen's exemption	$232,000 Land $41,705 Building $190,295	$232,000 Land $41,705 Building $190,295
2022	$3,991.00

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

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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