445 Silver Springs, Helotes, TX 78023 Property Records

Bandera County property record for 445 Silver Springs, Helotes, TX 78023

Property Summary

Property Type	Single Family Home
Details	2,210 sqft · built 1988
Lot Size	1.91 acres (83,417 sqft)
Owner	Individual Name on File
Tax Bill	$1,531 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2018 Mortgage
Flood Zone	Zone A (high risk)
APN	`71600-00000-0980`

Property Details

APN / Parcel Number

Primary APN	`71600-00000-0980`
Alternative APN	`156945`

Interior

Stories	1 Story
Building Area	2,210 sqft Living Area
1st Floor Area	2,210 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	83,417 sqft (1.91 acres)
Garage Type	Detached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	372 sqft
Deck Area	289 sqft
Patio Area	1,471 sqft
Breezeway	Breezeway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	71600-00000-0980
Street Address	445 SILVER SPGS
City	HELOTES
State	TX
Zip	78023-2475
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING CREEK RANCH 1 LT 98 1.039 ACRES//OAK COUNTRY LT R9 0.876 ACRES
Legal Subdivision	SPRING CREEK RANCH 1
Legal Lot Number	98 1
Jurisdiction	BANDERA TX
Township / Civil Division	BANDERA
Census Block Group	2
Census Block	2019
Census Tract	302

Owner

Source: Bandera County records, as of October 29, 2025

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	445 SILVER SPGS, HELOTES, TX 78023-2475
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage SECURITY SERVICE FCU
Dec 12, 2018	Vendor's Lien, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2018
Deed Sale	Dec 12, 2018
Prior Sale	Oct 15, 2007
Deed Document Number	228774
Deed Book / Page	1129 / 764
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANDERA TX
Property Address	445 SILVER SPGS, HELOTES, TX 78023-2475
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SECURITY SERVICES TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1173/98
Date	Apr 30, 2020
Book Page	1173/98
Instrument	236487

Lender

Name	SECURITY SERVICE FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

December 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BANDERA TX
Recording Date	Dec 12, 2018
Property Address	445 SILVER SPGS, HELOTES, TX 78023-2475
Document Number	1129/764
Book / Page	1129 / 764
Map Reference	VOL 6 PG 99
Instrument Date	Dec 10, 2018
Instrument	228774
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	PROROVIDENCE TITLE COMPANY, PROVIDENCE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 SILVER SPGS, HELOTES, TX 78023-2475

Mortgage

Document Number	228775
Date	Dec 12, 2018
Instrument	228775

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Bandera County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Bandera County
Unified School District	Northside Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$277,890 (-3.79%) Land $48,710 Building $229,180	$277,890 (-3.79%) Land $48,710 Building $229,180
2024	$1,531.00 (-8.92%)
2023	$1,681.00 Homeowner's exemption	$288,830 Land $45,710 Building $243,120	$288,830 Land $45,710 Building $243,120

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 October 1, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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.

Wildfire

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

Wildfire Risk	Moderate above 63% of the US · above 49% of Texas
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: BEC Fiber, T-Mobile.

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