3628 Whisper Trce, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 3628 Whisper Trce, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,320 sqft · built 2015
Lot Size	0.126 acres (5,502 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,440 (2024)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G-3563-4034-00800-000`

Property Details

APN / Parcel Number

Primary APN	`1G-3563-4034-00800-000`
Alternative APNs	`000000120744` `000000245174`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	1,720 sqft
1st Floor Area	1,320 sqft
Utility Area	120 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,502 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	16 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Account Number	000000245174
Old Parcel Number	1G3563403400800000
Street Address	3628 WHISPER TRCE
City	SCHERTZ
State	TX
Zip	78108-2330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #4, BLOCK 34, LOT 8
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #4
Legal Tract	8
Legal Block	34
Legal Lot Number	8
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3001
Census Tract	210613

Owner

Source: Guadalupe County assessment roll, APN 1G-3563-4034-00800-000, as of July 25, 2025 · Last verified November 2025

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	3628 WHISPER TRCE, SCHERTZ, TX 78108-2330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 19, 2020
Deed Sale	Jun 19, 2020
Prior Sale	Feb 09, 2016
Deed Document Number	202099015261
Record Updated	Jun 08, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jun 19, 2020
Property Address	3628 WHISPER TRCE, SCHERTZ, TX 78108-2330
Document Number	0000015261
Instrument Date	Jun 15, 2020
Instrument	15261
Transaction Type	Transfer
Record Updated	Aug 05, 2020
Title Company	ATTORNEY ONLY

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	3628 WHISPER TRCE SCHERTZ TX 781082330, SCHERTZ, TX 78108-2330

Mortgage

Document Number	15262
Date	Jun 19, 2020
Instrument	15262

Lender

Name	HIGHLANDS RESID'L MTG
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

Tax Assessment & Valuation

Source: Guadalupe County assessment roll as of July 25, 2025 · Last verified November 2025

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
2025		$214,566 (-12.36%) Land $28,726 Building $185,840	$214,566 (-12.36%) Land $28,726 Building $185,840
2024	$3,440.00 (+7.23%)
2023	$3,208.00 (-16.78%) Homeowner's exemption	$244,831 Land $40,007 Building $204,824	$244,831 Land $40,007 Building $204,824
2022	$3,855.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Guadalupe County (48187C), as of April 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 481872106133, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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, 547 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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).

Drinking Water

Source: EPA Safe Drinking Water Information System, water system TX0940003, 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.