4316 Saddleback Ln, South Lake, TX 76092 Property Records

Denton County property record for 4316 Saddleback Ln, South Lake, TX 76092

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 6,689 sqft · built 2021
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$572,400 (Feb 2021)
Tax Bill	$43,189 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2021 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R722269`

Property Details

APN / Parcel Number

Primary APN	`R722269`
Alternative APNs	`SJ1349A-0000001-0000-0006-0000` `SJ1349A-0000001-0000-0006` `954744`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	6,689 sqft Living Area
Gross Area	7,801 sqft
1st Floor Area	4,956 sqft
2nd Floor Area	1,733 sqft
Utility Area	81 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	43,996 sqft
Garage Type	Attached
Garage Area	1,113 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	1,048 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4316 SADDLEBACK LN
City	SOUTHLAKE
State	TX
Zip	76092-1467
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBACK RIDGE ESTATES BLK 1 LOT 6
Legal Subdivision	SADDLEBACK RIDGE ESTATES
Legal Block	1
Legal Lot Number	6
Jurisdiction	DENTON TX
Township / Civil Division	JUSTIN-ROANOKE
Census Block Group	4
Census Block	4003
Census Tract	20305

Owner

4316 Saddleback Ln is owned and occupied by two individuals who bought it in February 2021.

Source: Denton County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4316 SADDLEBACK LN, SOUTHLAKE, TX 76092-1467
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
Aug 7, 2026	Deed of Trust, Mortgage · Line of Credit BAXTER CREDIT UNION
Jul 23, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
Jul 28, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK
Feb 24, 2021	Vendor's Lien, Transfer · Conventional Mortgage FIRST NATIONAL BANK
Sep 14, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Dec 26, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage K HOVNANIAN AMERICAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2021 · Amount on File
Deed Sale	Feb 24, 2021 · Amount on File
Deed Document Number	202132122
Prior Transfer Date	Feb 22, 2021
Prior Transfer Doc	0000032122
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Recording Date	Aug 7, 2026
Property Address	4316 SADDLEBACK LN, SOUTHLAKE, TX 76092-1467
Document Number	0000093115
Instrument Date	Jul 28, 2026
Instrument	202693115
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4316 SADDLEBACK LN, SOUTHLAKE, TX 76092-1467

Mortgage

Document Number	0000093115,
Date	Aug 7, 2026
Instrument	202693115

Lender

Name	BAXTER CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	4316 SADDLEBACK LN, SOUTHLAKE, TX 76092-1467
Transaction Type	Mortgage
Record Updated	Jan 9, 2023
Title Company	SENDERA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2215 ALISA LN, TROPHY CLUB, TX 76262-3406

Mortgage

Document Number	0000133319
Date	Jul 23, 2021
Instrument	2021-133319

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	SOUTHLAKE, TX 76092

Agreement

Type	Construction Mortgage
Amount	Amount on Record

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	4316 SADDLEBACK LN, SOUTHLAKE, TX 76092-1467
Transaction Type	Mortgage
Record Updated	Jan 9, 2023
Title Company	HUDSON TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000110259
Date	Jul 28, 2022
Instrument	2022-110259

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	SOUTHLAKE, TX 76092

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	373 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Aug 1, 2028
Change Frequency	Monthly
Min Rate At Change	2.87%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	6.75%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	4316 SADDLEBACK LN, SOUTHLAKE, TX 76092-1467
Transaction Type	Mortgage
Record Updated	Jan 9, 2023
Title Company	HUDSON TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000110260
Date	Jul 28, 2022
Instrument	2022-110260

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	SOUTHLAKE, TX 76092

Agreement

Type	Construction Mortgage
Amount	Amount on Record

February 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	DENTON TX
Recording Date	Feb 24, 2021
Property Address	4316 SADDLEBACK LN, SOUTHLAKE, TX 76092-1467
Document Number	0000032122
Map Reference	FILE 2017-459
Instrument Date	Feb 22, 2021
Instrument	2021-032122
Transaction Type	Transfer
Record Updated	Jan 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	550 CLUB DR, MONTGOMERY, TX 77316-3190

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2215 ALISA LN, TROPHY CLUB, TX 76262-3406

Mortgage

Document Number	0000032123
Date	Feb 24, 2021
Instrument	2021-032123

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	13 Months
Due	Mar 1, 2022

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	4316 SADDLEBACK LN, SOUTHLAKE, TX 76092-1467
Document Number	0000148911
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	905 CORALBERRY DR NORTHLAKE TX 762262740, NORTHLAKE, TX 76226-2740

Mortgage

Document Number	0000148911
Date	Sep 22, 2020
Instrument	148911

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2050

December 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	DENTON TX
Recording Date	Dec 26, 2019
Property Address	4316 SADDLEBACK LN, SOUTHLAKE, TX 76092-1467
Document Number	0000163350
Instrument Date	Dec 23, 2019
Instrument	163350
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 5, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

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	905 CORALBERRY DR NORTHLAKE TX 762262740, NORTHLAKE, TX 76226-2740

Mortgage

Document Number	163351
Date	Dec 26, 2019
Instrument	163351

Lender

Name	K HOVNANIAN AMERICAN MTG
Type	Mortgage Company
Address	BOYNTON BEACH, FL 33426

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4316 Saddleback Ln was $43,189 with a homeowner's exemption.

Source: Denton County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Denton County
Municipality	Southlake City
Unified School District	Northwest Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,299,013 (+1%) Land $1,275,872 Building $2,099,648	$3,375,520 (-7.89%) Land $1,275,872 Building $2,099,648
2025	$43,189.00 Homeowner's exemption	$2,999,103 Land $923,908 Building $2,740,878	$3,664,786 Land $923,908 Building $2,740,878
2023	$42,950.00 (+148.99%)	$2,741,823 Land $923,908 Building $1,817,915	$2,741,823 Land $923,908 Building $1,817,915
2022	$17,250.00

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

Flood

FEMA maps place 4316 Saddleback Ln in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective October 4, 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 File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	11 (1998–2020)
Claims Outside the SFHA	10 of 11
Most Recent Claim	Jun 2020 · 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

Wildfire risk around 4316 Saddleback Ln is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 83% of Texas
Wildfire Likelihood	0.07% 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 SOUTHLAKE serves 31,576 people · EPA ID TX2200075
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	3 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	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

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