428 Silver Buckle, Schertz, TX 78154 Property Records

Guadalupe County property record for 428 Silver Buckle, Schertz, TX 78154

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,642 sqft · built 2008
Lot Size	0.178 acres (7,761 sqft)
Owner	Individual Name on File
Last Sale	$270,500 (Mar 2008)
Tax Bill	$23,315 (2023)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G1544101602900000`

Property Details

APN / Parcel Number

Primary APN	`1G1544101602900000`
Alternative APNs	`000000127320` `000000137583` `127320`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,642 sqft Living Area
Gross Area	4,263 sqft
1st Floor Area	2,079 sqft
2nd Floor Area	15,635 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,761 sqft (0.178 acres)
Lot Dimensions	120 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	60 sqft
Patio Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	428 SILVER BUCKLE
City	SCHERTZ
State	TX
Zip	78154-3500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENSINGTON RANCH ESTATES #1 BLOCK 16 LOT 29
Legal Subdivision	KENSINGTON RANCH ESTATES #1
Legal Tract	29
Legal Block	16
Legal Lot Number	29
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3026
Census Tract	210707

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	428 SILVER BUCKLE, SCHERTZ, TX 78154-3500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2008 · Amount on File
Deed Sale	Mar 24, 2008 · Amount on File
Deed Document Number	20085221
Deed Book / Page	2600 / 240
Last Transfer Date	Feb 18, 2011
Transfer Doc	0000003909
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	428 SILVER BUCKLE, SCHERTZ, TX 78154-3500
Document Number	0000016650
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SILVER BUCKLE SCHERTZ TX 781543500, SCHERTZ, TX 78154-3500

Mortgage

Document Number	0000016650
Date	Jul 25, 2019
Instrument	16650

Lender

Name	CITIBANK
Type	Bank
Address	O FALLON, MO 63368-2240

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2049

Tax Assessment & Valuation

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		$422,357 (+3.52%) Land $37,975 Building $384,382	$422,357 (+3.52%) Land $37,975 Building $384,382
2025		$408,013 (-7.74%) Land $38,256 Building $369,757	$408,013 (-7.74%) Land $38,256 Building $369,757
2023	$23,315.00 (+455.91%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$442,244 Land $54,439 Building $387,805	$442,244 Land $54,439 Building $387,805
2022	$4,194.00

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2025 · rainfall accumulation

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 99.1% of the US · lower than 99.3% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20