4109 Whisper Pt, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 4109 Whisper Pt, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	1,885 sqft · built 2005
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on File
Last Sale	$238,009 (Mar 2024)
Tax Bill	$4,164 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1G3563202901600000`

Property Details

APN / Parcel Number

Primary APN	`1G3563202901600000`
Alternative APNs	`000000112409` `000000227440` `000000297198` `112409`

Interior

Stories	2 Stories
Building Area	1,885 sqft Living Area
Gross Area	2,381 sqft
1st Floor Area	741 sqft
2nd Floor Area	1,144 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	4109 WHISPER PT
City	SCHERTZ
State	TX
Zip	78154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #2 BLOCK 29 LOT 16 0.1263 AC
Legal Subdivision	WHISPER MEADOWS @ NORTHCLIFFE II UNIT #2
Legal Tract	16
Legal Block	29
Legal Lot Number	16
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3018
Census Tract	210613

Owner

4109 Whisper Pt is owned and occupied by two individuals who bought it in March 2024.

Source: Guadalupe County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4109 WHISPER PT, SCHERTZ, TX 78108-2267
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Vendor's Lien, Transfer · FHA Mortgage GUARANTEED RATE INC
Mar 20, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Nov 15, 2018	Warranty Deed, Transfer · VA Mortgage AMERICAN PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2024 · Amount on File
Deed Sale	Mar 20, 2024 · Amount on File
Prior Sale	Nov 15, 2018 · Amount on File
Deed Document Number	20246117
Prior Transfer Date	Nov 7, 2018
Prior Transfer Doc	0099026006
Record Updated	Sep 20, 2026

March 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Mar 20, 2024
Property Address	4109 WHISPER PT, SCHERTZ, TX 78108-2267
Document Number	0099006117
Map Reference	VOL 6 PG 609
Instrument Date	Mar 19, 2024
Instrument	202499006117
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	ORCHARD TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 821, SCHERTZ, TX 78154-0821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 WHISPER PT, SCHERTZ, TX 78108-2267

Mortgage

Document Number	0099006118
Date	Mar 20, 2024
Instrument	202499006118

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	4109 WHISPER PT, SCHERTZ, TX 78108-2267
Document Number	0000007621
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4109 WHISPER PT SCHERTZ TX 781082267, SCHERTZ, TX 78108-2267

Mortgage

Document Number	0000007621
Date	Mar 30, 2020
Instrument	7621

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Nov 15, 2018
Property Address	4109 WHISPER PT, SCHERTZ, TX 78108-2267
Document Number	0000026006
Instrument Date	Nov 7, 2018
Instrument	26006
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4109 WHISPER PT SCHERTZ TX 781082267, SCHERTZ, TX 78108-2267

Mortgage

Document Number	26007
Date	Nov 15, 2018
Instrument	26007

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4109 Whisper Pt was $4,164, up 41.1% from the year before.

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		$225,721 (+4.03%) Land $40,703 Building $185,018	$225,721 (+4.03%) Land $40,703 Building $185,018
2025	$4,164.00 (+41.1%)	$216,978 Land $28,726 Building $188,252	$216,978 Land $28,726 Building $188,252
2024	$2,951.00
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$251,132 Land $40,007 Building $211,125	$251,132 Land $40,007 Building $211,125

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4109 Whisper Pt 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

Wildfire risk around 4109 Whisper Pt is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Guadalupe Valley Electric Cooperative, Verizon.

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