Guadalupe County property record for 409 Saddle Haven, Cibolo, TX 78108 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,469 sqft · built 2023 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $317,323 (Aug 2024) |
| Tax Bill | $7,083 (2025) |
| Deeds & Mortgages | Aug 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000000179489 |
| Primary APN | 000000179489 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,469 sqft Living Area |
| Gross Area | 2,946 sqft |
| 1st Floor Area | 1,060 sqft |
| 2nd Floor Area | 1,409 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 SADDLE HVN |
|---|---|
| City | CIBOLO |
| State | TX |
| Zip | 78108-0286 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK RANCH #7 BLOCK 25 LOT 20 .18 AC |
| Legal Subdivision | SADDLE CREEK RANCH #7 |
| Legal Tract | 20 |
| Legal Block | 25 |
| Legal Lot Number | 20 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 210612 |
Source: Guadalupe County records · APN 000000179489
Assessment roll updated August 12, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 409 SADDLE HVN, CIBOLO, TX 78108-0286 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 21, 2024 · Amount on Record |
| Deed Sale | Aug 21, 2024 · Amount on Record |
| Deed Document Number | 202419699 |
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Aug 21, 2024 |
| Property Address | TX |
| Document Number | 0099019699 |
| Map Reference | VOL 9 PG 365&366 |
| Instrument Date | Jul 25, 2024 |
| Instrument | 202499019699 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Title Company | ALA TITLE, ALAMO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 SADDLE HVN, CIBOLO, TX 78108-0286 |
| Document Number | 0099019700 |
|---|---|
| Date | Aug 21, 2024 |
| Instrument | 202499019700 |
| Name | KBHS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2054 |
Source: Guadalupe County records · Assessment roll updated August 12, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Cibolo City |
| County | Guadalupe County |
| Unified School District | Schertz-Cibolo-Universal City Independent School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $365,134 (-0.51%) Land $48,206 Building $316,928 | $365,134 (-0.51%) Land $48,206 Building $316,928 | |
| 2025 | $7,083.00 (+62.38%) | $367,017 (+933.36%) Land $47,570 Building $319,447 | $367,017 (+933.36%) Land $47,570 Building $319,447 |
| 2024 | $4,362.00 (+535.86%) | ||
| 2023 | $686.00 (+18.89%) | $35,517 Land $35,517 | $35,517 Land $35,517 |
| 2022 | $577.00 |
Source: FEMA National Flood Hazard Layer, Guadalupe County (48187C), updated April 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 481872106121, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 16 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 in force |
| Wildfire Risk | Moderate above 53% of the US · above 29% of Texas |
|---|---|
| Wildfire Likelihood | About 1 in 962 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 351 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Guadalupe Valley Electric Cooperative, AT&T, Valley Telephone Cooperative, Inc. (TX), Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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