Guadalupe County property record for 405 Saddle Vista, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,450 sqft · built 2018 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $266,000 (Oct 2024) |
| Tax Bill | $5,605 (2025) |
| Deeds & Mortgages | Oct 2024 Mortgage Feb 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900602301200000 |
| Primary APN | 1G3900602301200000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,450 sqft Living Area |
| Gross Area | 3,082 sqft |
| 1st Floor Area | 1,477 sqft |
| 2nd Floor Area | 973 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 SADDLE VIS |
|---|---|
| City | CIBOLO |
| State | TX |
| Zip | 78108-3058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK RANCH #6 BLOCK 23 LOT 12 .16 AC |
| Legal Subdivision | SADDLE CREEK RANCH #6 |
| Legal Tract | 12 |
| Legal Block | 23 |
| Legal Lot Number | 12 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 210612 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 SADDLE VIS, CIBOLO, TX 78108-3058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 15, 2024 | Vendor's Lien, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Feb 28, 2020 | Grant Deed, Subdivision Related Transfer · VA Mortgage THRIVE MTG LLC |
| Oct 31, 2019 | Correction Deed, Transfer FIRST AMERICAN TITLE |
| Feb 4, 2019 | Loan Modification, Mortgage · Line of Credit TEXAS CAP BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2024 · Amount on Record |
| Deed Sale | Oct 15, 2024 · Amount on Record |
| Prior Sale | Nov 27, 2023 · Amount on Record |
| Deed Document Number | 202425089 |
| Prior Transfer Date | Feb 27, 2020 |
| Prior Transfer Doc | 0099005093 |
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Oct 15, 2024 |
| Property Address | TX |
| Document Number | 0099025089 |
| Map Reference | VOL 8 PG 644 |
| Instrument Date | Oct 11, 2024 |
| Instrument | 202499025089 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Title Company | CAPITAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2031 BUENOS AIRES DR, LAREDO, TX 78045-6391 |
| Name | Verified Name |
|---|---|
| Address | 405 SADDLE VIS, CIBOLO, TX 78108-3058 |
| Document Number | 0099025090 |
|---|---|
| Date | Oct 15, 2024 |
| Instrument | 202499025090 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Feb 28, 2020 |
| Property Address | 405 SADDLE VIS, CIBOLO, TX 78108-3058 |
| Document Number | 0000005093 |
| Instrument Date | Feb 27, 2020 |
| Instrument | 5093 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 SADDLE VIS CIBOLO TX 781083058, CIBOLO, TX 78108-3058 |
| Document Number | 5094 |
|---|---|
| Date | Feb 28, 2020 |
| Instrument | 5094 |
| Name | THRIVE MTG LLC |
|---|---|
| Address | GEORGETOWN, TX 78633 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 27, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Oct 31, 2019 |
| Property Address | 405 SADDLE VIS, CIBOLO, TX 78108-3058 |
| Document Number | 0000024983 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 24983 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Feb 4, 2019 |
| Property Address | 405 SADDLE VIS, CIBOLO, TX 78108-3058 |
| Instrument Date | Jan 25, 2019 |
| Instrument | 2464 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915 |
| Document Number | 0000002464 |
|---|---|
| Date | Feb 4, 2019 |
| Instrument | 2464 |
| Name | TEXAS CAP BK |
|---|---|
| Type | Bank |
| Address | 2350 LAKESIDE BLVD # 800, RICHARDSON, TX 75082-4340 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Guadalupe County assessment roll, as of August 12, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Cibolo City |
| County | Guadalupe County |
| Unified School District | Schertz-Cibolo-Universal City Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $369,375 (-0.03%) Land $45,339 Building $324,036 | $369,375 (-0.03%) Land $45,339 Building $324,036 | |
| 2025 | $5,605.00 (+5,289.42%) Homeowner's exemption | $369,492 (-10.83%) Land $43,849 Building $325,643 | $369,492 (-10.83%) Land $43,849 Building $325,643 |
| 2023 | $414,365 (+24.45%) Land $57,981 Building $356,384 | $414,365 (+24.45%) Land $57,981 Building $356,384 | |
| 2022 | $104.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $332,969 Land $43,545 Building $289,424 | $332,969 Land $43,545 Building $289,424 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 85% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GREEN VALLEY SUD serves 52,497 people · EPA ID TX0940020 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 791 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Guadalupe Valley Electric Cooperative, Hotwire Communications, Verizon, VTX Communications.
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