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431 River Rd, Schertz, TX 78154 Property Records

Guadalupe County property record for 431 River Rd, Schertz, TX 78154 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details972 sqft · built 1970
Lot Size0.211 acres (9,196 sqft)
OwnerCompany Name on File
Last Sale$152,000 (Jun 2023)
Tax Bill$2,379 (2025)
Deeds & MortgagesJun 2023 Sale
Sep 2022 Mortgage
Flood ZoneZone X (moderate risk)
APN1G2610000200900000

Property Details

APN / Parcel Number

Primary APN1G2610000200900000
Alternative APNs
  • 000000038193
  • 000000028314
  • 000000294219
  • 38193

Interior

Stories1 Story
Building Area972 sqft Living Area
Gross Area1,536 sqft
1st Floor Area972 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 2000
Exterior MaterialAsbestos
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area9,196 sqft (0.211 acres)
Garage TypeAttached
Garage Area260 sqft
Parking Spaces1 Parking Space
PorchCovered Porch
Porch Area16 sqft
Patio Area288 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Water SourceCommercial

Location & Zoning

Street Address431 RIVER RD
CitySCHERTZ
StateTX
Zip78154-2430
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT: 9 BLK: 2 ADDN: RIO VISTA
Legal SubdivisionRIO VISTA
Legal Block2
Legal Lot Number9
JurisdictionGUADALUPE TX
Township / Civil DivisionSCHERTZ-CIBOLO
Census Block Group2
Census Block2005
Census Tract210705

Owner

Source: Guadalupe County records · APN 1G2610000200900000

Assessment roll updated August 12, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address5524 TALLGRASS BLVD, BULVERDE, TX 78163-2538
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Jun 26, 2023Warranty Deed, Transfer
Sep 09, 2022Vendor's Lien, Transfer · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 26, 2023 · Amount on Record
Deed SaleJun 26, 2023 · Amount on Record
Prior SaleSep 09, 2022 · Amount on Record
Deed Document Number202315831
Record UpdatedSep 20, 2026

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGUADALUPE TX
Recording DateJun 26, 2023
Property Address431 RIVER RD, SCHERTZ, TX 78154-2430
Document Number0099015831
Map ReferenceVOL 3 PG 15
Instrument DateJun 08, 2023
Instrument202399015831
Transaction TypeTransfer
Record UpdatedJul 18, 2023

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address537 BLUEHAW DR, GEORGETOWN, TX 78628-7063

Transferred To (Grantee/Buyer)

NameVerified Name
Address537 BLUEHAW DR, GEORGETOWN, TX 78628-7063

September 2022: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionGUADALUPE TX
Recording DateSep 09, 2022
Property Address431 RIVER RD, SCHERTZ, TX 78154-2430
Document Number0099028367
Map ReferenceVOL 3 PG 15
Instrument DateSep 08, 2022
Instrument202299028367
Transaction TypeTransfer
Record UpdatedSep 20, 2022
Title CompanyPROROVIDENCE TITLE COMPANY, PROVIDENCE TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address604 RIVER RD, 604, SCHERTZ, TX 78154-2435

Transferred To (Grantee/Buyer)

NameVerified Name
Address537 BLUEHAW DR, GEORGETOWN, TX 78628-7063

Mortgage

Document Number0099028368
DateSep 09, 2022
Instrument202299028368
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2052

Tax Assessment & Valuation

Source: Guadalupe County records · Assessment roll updated August 12, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateTexas
CountyGuadalupe County
MunicipalitySchertz City
Unified School DistrictSchertz-Cibolo-Universal City Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$97,060 (-21.71%) Land $52,007 Building $45,053$97,060 (-21.71%) Land $52,007 Building $45,053
2025$2,379.00 (-33.73%)$123,980 (-30.87%) Land $30,165 Building $93,815$123,980 (-30.87%) Land $30,165 Building $93,815
2024$3,590.00 (+2.69%)
2023$3,496.00 (+15.68%)$179,335 (+28.36%) Land $40,464 Building $138,871$179,335 (+28.36%) Land $40,464 Building $138,871
2022$3,022.00$139,711 Land $52,154 Building $87,557$139,711 Land $52,154 Building $87,557

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Guadalupe County (48187C), updated April 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 481872107052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 23 individual NFIP policies nearby
Nearby Flood Policies23 in force
Nearby Flood Claims25 (1991–2015)
Claims Outside the SFHA11 of 25
Most Recent ClaimApr 2015, rainfall accumulation
Claims By Storm
  • Flooding 10/18/98, Oct 1998 · 12 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 352 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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