3901 Whisper Pt, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 3901 Whisper Pt, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,922 sqft · built 2006
Lot Size	0.218 acres (9,484 sqft)
Owner	2 Individual Names on File
Last Sale	$445,550 (Apr 2023)
Tax Bill	$4,346 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1G3563403404800000`

Property Details

APN / Parcel Number

Primary APN	`1G3563403404800000`
Alternative APNs	`000000120784` `000000266367` `000000294218` `120784`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,922 sqft Living Area
Gross Area	3,338 sqft
1st Floor Area	1,314 sqft
2nd Floor Area	1,608 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,484 sqft (0.218 acres)
Lot Dimensions	102 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	38 sqft
Deck Area	2,345 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3901 WHISPER FLD
City	SCHERTZ
State	TX
Zip	78154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #4 BLOCK 34 LOT 48
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #4
Legal Tract	48
Legal Block	34
Legal Lot Number	48
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3001
Census Tract	210613

Owner

Source: Guadalupe County assessment roll, 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	2 Individual Names on File
Mailing Address	3901 WHISPER PT, SCHERTZ, TX 78108-2328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Vendor's Lien, Transfer · Conventional Mortgage PROSPERITY BANK
Jan 4, 2022	Warranty Deed, Transfer · Conventional Mortgage DIRECTIONS EQUITY LLC
Jul 25, 2019	Warranty Deed, Transfer · FHA Mortgage ANGEL OAK HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 27, 2023 · Amount on Record
Deed Sale	Apr 27, 2023 · Amount on Record
Prior Sale	Jan 4, 2022 · Amount on Record
Deed Document Number	202310255
Prior Transfer Date	Jul 10, 2019
Prior Transfer Doc	0099016617
Record Updated	Sep 20, 2026

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Apr 27, 2023
Property Address	3901 WHISPER PT, SCHERTZ, TX 78108-2328
Document Number	0099010255
Map Reference	VOL 7 PG 112
Instrument Date	Apr 26, 2023
Instrument	202399010255
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9711 GYPSY CV, CONVERSE, TX 78109-2943

Mortgage

Document Number	0099010256
Date	Apr 27, 2023
Instrument	202399010256

Lender

Name	PROSPERITY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jan 4, 2022
Property Address	3901 WHISPER PT, SCHERTZ, TX 78108-2328
Document Number	0099000269
Map Reference	VOL 7 PG 112
Instrument Date	Dec 21, 2021
Instrument	202299000269
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6702 ASHLEY WOOD, SAN ANTONIO, TX 78233-7256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 WHISPER PT, SCHERTZ, TX 78108-2328
Investor	Possibly a Property Investor

Mortgage

Document Number	0099000270
Date	Jan 4, 2022
Instrument	202299000270

Lender

Name	DIRECTIONS EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jul 25, 2019
Property Address	3901 WHISPER PT, SCHERTZ, TX 78108-2328
Document Number	0000016617
Instrument Date	Jul 12, 2019
Instrument	16617
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	NETCO INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 WHISPER PT SCHERTZ TX 781082328, SCHERTZ, TX 78108-2328

Mortgage

Document Number	16618
Date	Jul 25, 2019
Instrument	16618

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

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		$336,580 (+1%) Land $52,873 Building $283,967	$336,840 (+10.08%) Land $52,873 Building $283,967
2025	$4,346.00 (-12.5%) Homeowner's exemption	$305,982 (-12.33%) Land $41,101 Building $264,881	$305,982 (-12.33%) Land $41,101 Building $264,881
2024	$4,967.00 (+9.02%)
2023	$4,556.00 (-12.64%) Homeowner's exemption	$348,996 Land $54,579 Building $294,417	$348,996 Land $54,579 Building $294,417
2022	$5,215.00

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

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: Valley Telephone Cooperative, Inc. (TX).

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