Guadalupe County property record for 433 Saddle Spoke, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 3,091 sqft · built 2009 |
| Lot Size | 0.196 acres (8,533 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $211,800 (Nov 2009) |
| Tax Bill | $5,894 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G39002B0202100000 |
| Primary APN | 1G39002B0202100000 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,091 sqft Living Area |
| Gross Area | 3,632 sqft |
| 1st Floor Area | 1,720 sqft |
| 2nd Floor Area | 1,371 sqft |
| Utility Area | 100 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,533 sqft (0.196 acres) |
| Lot Dimensions | 124 ft deep x 69 ft wide |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
| Porch Area | 252 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 433 SADDLE SPOKE |
|---|---|
| City | CIBOLO |
| State | TX |
| Zip | 78108-4358 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK RANCH #2B BLOCK 2 LOT 21 0.1959 AC |
| Legal Subdivision | SADDLE CREEK RANCH #2B |
| Legal Tract | 21 |
| Legal Block | 2 |
| Legal Lot Number | 21 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1005 |
| 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 | 433 SADDLE SPOKE, CIBOLO, TX 78108-4358 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2009 · Amount on Record |
| Deed Sale | Nov 24, 2009 · Amount on Record |
| Prior Sale | Aug 31, 2009 |
| Deed Document Number | 200921069 |
| Deed Book / Page | 2814 / 580 |
| Prior Transfer Date | Nov 20, 2009 |
| Prior Transfer Doc | 0000021069 |
| Record Updated | Sep 20, 2026 |
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 | $407,618 (+2.81%) Land $50,037 Building $357,581 | $407,618 (+2.81%) Land $50,037 Building $357,581 | |
| 2025 | $5,894.00 (-9.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $396,477 (-13.72%) Land $50,150 Building $346,327 | $396,477 (-13.72%) Land $50,150 Building $346,327 |
| 2024 | $6,535.00 (+12.46%) | ||
| 2023 | $5,811.00 (-10.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $459,528 Land $65,376 Building $394,152 | $459,528 Land $65,376 Building $394,152 |
| 2022 | $6,483.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 | Moderate above 42% of the US · lower than 84% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 351 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Guadalupe Valley Electric Cooperative, Verizon, VTX Communications.
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