Guadalupe County property record for 412 Saddle Pass, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,428 sqft · built 2012 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $246,700 (Sep 2017) |
| Tax Bill | $2,243 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Mar 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900301300600000 |
| Primary APN | 1G3900301300600000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,428 sqft Living Area |
| Gross Area | 2,953 sqft |
| 1st Floor Area | 1,972 sqft |
| 2nd Floor Area | 456 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 412 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 13 LOT 6 0.1377 AC |
| Legal Subdivision | SADDLE CREEK RANCH #3 |
| Legal Tract | 6 |
| Legal Block | 13 |
| Legal Lot Number | 6 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1026 |
| 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 | 412 SADDLE PASS, CIBOLO, TX 78108-3630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2024 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Mar 6, 2023 | Intrafamily Transfer, Transfer |
| Sep 22, 2017 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2017 · Amount on Record |
| Deed Sale | Sep 22, 2017 · Amount on Record |
| Prior Sale | Jan 4, 2013 · Amount on Record |
| Deed Document Number | 201722662 |
| Prior Transfer Date | Sep 20, 2017 |
| Prior Transfer Doc | 0000022662 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | TX |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 412 SADDLE PASS, CIBOLO, TX 78108-3630 |
| Document Number | 0099009898 |
|---|---|
| Date | May 1, 2024 |
| Instrument | 202499009898 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2044 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Mar 6, 2023 |
| Property Address | TX |
| Document Number | 0099005420 |
| Instrument Date | Mar 6, 2023 |
| Instrument | 202399005420 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Sep 22, 2017 |
| Property Address | 412 SADDLE PASS, CIBOLO, TX 78108-3630 |
| Document Number | 0000022662 |
| Instrument Date | Sep 20, 2017 |
| Instrument | 22662 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2019 |
| Title Company | ALAMO TITLE COMPANY, ALAMO TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 412 SADDLE PASS CIBOLO TX 781083630, CIBOLO, TX 78108-3630 |
| Document Number | 22663 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 22663 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 21, 2047 |
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 | $355,923 (-0.6%) Land $42,315 Building $313,608 | $355,923 (-0.6%) Land $42,315 Building $313,608 | |
| 2025 | $2,243.00 (-18.94%) Homeowner's exemption Senior Citizen's exemption | $358,075 (-12.97%) Land $39,830 Building $318,245 | $358,075 (-12.97%) Land $39,830 Building $318,245 |
| 2024 | $2,767.00 (-0.22%) | ||
| 2023 | $2,773.00 (-39.99%) Homeowner's exemption Senior Citizen's exemption | $411,436 Land $53,339 Building $358,097 | $411,436 Land $53,339 Building $358,097 |
| 2022 | $4,621.00 |
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 |
|---|---|
| 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 | 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.
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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