Burnet County property record for 389 Saddle Ridge Dr, Bertram, TX 78605
| Property Type | Single Family Home |
|---|---|
| Details | 2,275 sqft · built 2018 |
| Lot Size | 4.5 acres (196,020 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,094 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07274-0100-00020-000 |
| Primary APN | 07274-0100-00020-000 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,275 sqft Living Area |
| 1st Floor Area | 2,275 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 196,020 sqft |
| Garage Type | Carport |
| Garage Area | 648 sqft |
| Carport | Carport |
| Carport Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 799 sqft |
| Canopy | 1,224 sqft |
| Guest House | 800 sqft |
| Storage Building | 98 sqft |
| Utility Building | 1,200 sqft |
| Street Address | 389 SADDLE RIDGE DR |
|---|---|
| City | BERTRAM |
| State | TX |
| Zip | 78605-3308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S7274 RANCHES AT CANYON CREEK LOT 20, PHASE 1, 4.5 |
| Legal Subdivision | RANCHES AT CANYON CREEK |
| Legal Block | 2 |
| Legal Lot Number | 20 |
| Jurisdiction | BURNET TX |
| Township / Civil Division | BURNET |
| Census Block Group | 2 |
| Census Block | 2081 |
| Census Tract | 960402 |
389 Saddle Ridge Dr is owned and occupied by two individuals.
Source: Burnet County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 389 SADDLE RIDGE DR, BERTRAM, TX 78605-3308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURNET TX |
| Property Address | 389 SADDLE RIDGE DR, BERTRAM, TX 78605-3308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202008864 |
|---|---|
| Date | Jul 23, 2020 |
| Instrument | 202008864 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
The 2025 property tax bill for 389 Saddle Ridge Dr was $4,094 with exemptions applied, down 15.1% from the year before.
Source: Burnet County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Burnet County |
| Unified School District | Burnet Consolidated Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $658,650 (+3.69%) Land $32,003 Building $626,647 | $769,618 (-1.89%) Land $142,971 Building $626,647 | |
| 2025 | $4,094.00 (-15.08%) Homeowner's exemption Senior Citizen's exemption | $635,240 | $784,439 Land $142,971 Building $641,468 |
| 2024 | $4,821.00 (+0.96%) | ||
| 2023 | $4,775.00 Homeowner's exemption Senior Citizen's exemption | $666,519 Land $36,340 Building $630,179 | $792,526 Land $162,347 Building $630,179 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 389 Saddle Ridge Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
Source: FEMA National Flood Hazard Layer, effective October 8, 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 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2025) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2025 · Severe Storms, Straight-line Winds, And Flooding |
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 risk around 389 Saddle Ridge Dr is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 69% of Texas |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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