409 Saddle Pass, Cibolo, TX 78108 Property Records

Guadalupe County property record for 409 Saddle Pass, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,429 sqft · built 2012
Lot Size	0.172 acres (7,478 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,700 (Oct 2012)
Tax Bill	$1,404 (2023)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G3900301001200000`

Property Details

APN / Parcel Number

Primary APN	`1G3900301001200000`
Alternative APNs	`000000147519` `000000154857` `147519`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,429 sqft Living Area
Gross Area	3,037 sqft
1st Floor Area	1,322 sqft
2nd Floor Area	1,107 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,478 sqft (0.172 acres)
Lot Dimensions	76 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	118 sqft
Deck Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 SADDLE PASS
City	CIBOLO
State	TX
Zip	78108-3630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE CREEK RANCH #3 BLOCK 10 LOT 12
Legal Subdivision	SADDLE CREEK RANCH #3
Legal Tract	12
Legal Block	10
Legal Lot Number	12
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1027
Census Tract	210612

Owner

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	409 SADDLE PASS, CIBOLO, TX 78108-3630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2012 · Amount on Record
Deed Sale	Oct 1, 2012 · Amount on Record
Deed Document Number	201218662
Deed Book / Page	3182 / 428
Prior Transfer Date	Sep 27, 2012
Prior Transfer Doc	0000018662
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	409 SADDLE PASS, CIBOLO, TX 78108-3630
Document Number	0000030960
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 SADDLE PASS CIBOLO TX 781083630, CIBOLO, TX 78108-3630

Mortgage

Document Number	0000030960
Date	Oct 30, 2020
Instrument	30960

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 29, 2045

Tax Assessment & Valuation

Source: Guadalupe County assessment roll, as of August 12, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Cibolo City
County	Guadalupe County
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		$341,245 (-0.97%) Land $47,092 Building $294,153	$341,245 (-0.97%) Land $47,092 Building $294,153
2025		$344,591 (-13.08%) Land $46,089 Building $298,502	$344,591 (-13.08%) Land $46,089 Building $298,502
2023	$1,404.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$396,458 Land $60,596 Building $335,862	$396,458 Land $60,596 Building $335,862

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
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.

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	0.02% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.