Guadalupe County property record for 409 St Etienne, Schertz, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 3,027 sqft · built 2019 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $371,200 (Dec 2019) |
| Tax Bill | $7,690 (2025) |
| Deeds & Mortgages | Jun 2021 Second Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000000169859 |
| Primary APN | 000000169859 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,027 sqft Living Area |
| Gross Area | 3,842 sqft |
| 1st Floor Area | 1,822 sqft |
| 2nd Floor Area | 12,057 sqft |
| Utility Area | 100 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 570 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 125 sqft |
| Patio Area | 1,212 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 409 ST ETIENNE |
|---|---|
| City | SCHERTZ |
| State | TX |
| Zip | 78108-2427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MESA @ TURNING STONE UNIT #7 BLOCK 8 LOT 1 .31 AC |
| Legal Subdivision | MESA @ TURNING STONE UNIT #7 |
| Legal Tract | 1 |
| Legal Block | 8 |
| Legal Lot Number | 1 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 210613 |
409 St Etienne is owned and occupied by two individuals who bought it in December 2019.
Source: Guadalupe County records, as of August 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 ST ETIENNE, SCHERTZ, TX 78108-2427 |
| 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.
| Date | Document |
|---|---|
| Jun 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 23, 2019 | Grant Deed, Subdivision Related Transfer · FHA Mortgage CLM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2019 · Amount on File |
| Deed Sale | Dec 23, 2019 · Amount on File |
| Deed Document Number | 201999029424 |
| Prior Transfer Date | Dec 19, 2019 |
| Prior Transfer Doc | 0099029424 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 409 ST ETIENNE, SCHERTZ, TX 78108-2427 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0099021883 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 202199021883 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ASHVILLE, AL 35953 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 343 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Dec 23, 2019 |
| Property Address | 409 ST ETIENNE, SCHERTZ, TX 78108-2427 |
| Document Number | 0000029424 |
| Instrument Date | Dec 19, 2019 |
| Instrument | 29424 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 ST ETIENNE CIBOLO CIBOLO TX 78108, CIBOLO, TX 78108 |
| Document Number | 29425 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 29425 |
| Name | CLM MTG |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77067 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 22, 2049 |
The 2025 property tax bill for 409 St Etienne was $7,690 with a homeowner's exemption, down 14.3% from the year before.
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 | $508,586 (+6.5%) Land $90,657 Building $417,929 | $508,586 (+6.5%) Land $90,657 Building $417,929 | |
| 2025 | $7,690.00 (-14.29%) Homeowner's exemption | $477,548 Land $66,873 Building $410,675 | $477,548 Land $66,873 Building $410,675 |
| 2024 | $8,972.00 (+2.39%) | ||
| 2023 | $8,763.00 (-17.85%) | $532,826 Land $102,350 Building $430,476 | $532,826 Land $102,350 Building $430,476 |
| 2022 | $10,667.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 St Etienne in Zone X, an area of minimal flood risk.
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 risk around 409 St Etienne is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
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 | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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: VTX Communications.
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