422 River Rd, Schertz, TX 78154 Property Records

Guadalupe County property record for 422 River Rd, Schertz, TX 78154

Property Summary

Property Type	Single Family Home
Details	1,295 sqft · built 1970
Lot Size	0.324 acres (14,096 sqft)
Owner	Individual Name on File
Last Sale	$61,900 (Oct 2022)
Tax Bill	$1,383 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1G2610000401800000`

Property Details

APN / Parcel Number

Primary APN	`1G2610000401800000`
Alternative APNs	`000000038223` `000000244229` `38223`

Interior

Stories	1 Story
Building Area	1,295 sqft Living Area
Gross Area	1,515 sqft
1st Floor Area	1,295 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Type	Gable
Lot Area	14,096 sqft (0.324 acres)
Porch	Enclosed Porch
Porch Area	236 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	422 RIVER RD
City	SCHERTZ
State	TX
Zip	78154-2431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 18 BLK: 4 ADDN: RIO VISTA
Legal Subdivision	RIO VISTA
Legal Block	4
Legal Lot Number	18
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	2
Census Block	2000
Census Tract	210705

Owner

422 River Rd is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	422 RIVER RD, SCHERTZ, TX 78154-2431
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2022 · Amount on File
Deed Sale	Oct 6, 2022 · Amount on File
Prior Sale	Sep 8, 2006 · Amount on File
Deed Document Number	202231297
Prior Transfer Date	Aug 31, 2006
Prior Transfer Doc	0000018853
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	422 RIVER RD, SCHERTZ, TX 78154-2431
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099031297
Date	Sep 9, 2021
Instrument	202199031297

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	STEVENSON RANCH, CA 91381

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 422 River Rd was $1,383 with a homeowner's exemption, down 50.7% 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		$124,303 (-18%) Land $66,898 Building $57,405	$124,303 (-18%) Land $66,898 Building $57,405
2025	$1,383.00 (-50.66%) Homeowner's exemption	$151,593 Land $41,454 Building $110,139	$151,593 Land $41,454 Building $110,139
2024	$2,803.00 (+14.31%)
2023	$2,452.00 (-20.7%) Homeowner's exemption	$206,068 Land $52,946 Building $153,122	$206,068 Land $52,946 Building $153,122
2022	$3,092.00

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

Flood

FEMA maps place 422 River Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	25 (1991–2015)
Claims Outside the SFHA	11 of 25
Most Recent Claim	Apr 2015 · rainfall accumulation
Claims by Event	Flooding 10/18/98, Oct 1998 · 12 claims

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 422 River Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.05% 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 352 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20