4525 W Fork Dr, Schertz, TX 78154 Property Records

Guadalupe County property record for 4525 W Fork Dr, Schertz, TX 78154

Property Summary

Property Type	Single Family Home
Details	2,619 sqft · built 2003
Lot Size	0.283 acres (12,336 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Jan 2019)
Tax Bill	$6,643 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G10495B0311700000`

Property Details

APN / Parcel Number

Primary APN	`1G10495B0311700000`
Alternative APNs	`000000107724` `000000228638` `107724`

Interior

Stories	2 Stories
Building Area	2,619 sqft Living Area
Gross Area	3,342 sqft
1st Floor Area	1,646 sqft
2nd Floor Area	973 sqft
Flooring	Carpet

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Lot Area	12,336 sqft (0.283 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Covered Porch
Porch Area	177 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	4525 W FORK DR
City	SCHERTZ
State	TX
Zip	78154-3050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST RIDGE #5B BLOCK 3 LOT 117
Legal Subdivision	FOREST RIDGE #5B
Legal Block	3
Legal Lot Number	117
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3010
Census Tract	210709

Owner

4525 W Fork Dr is owned and occupied by two individuals who bought it in January 2019.

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	2 Individual Names on File
Mailing Address	4525 W FORK DR, SCHERTZ, TX 78154-3050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD
Jan 3, 2019	Quit Claim Deed, Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on File
Deed Sale	Jan 3, 2019 · Amount on File
Deed Document Number	201999000377
Prior Transfer Date	Aug 19, 2008
Prior Transfer Doc	0000016139
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	4525 W FORK DR, SCHERTZ, TX 78154-3050
Transaction Type	Mortgage
Record Updated	Jan 5, 2022
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099043605
Date	Dec 21, 2021
Instrument	202199043605

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Address	SAN ANTONIO, TX 78231

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2032

January 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jan 3, 2019
Property Address	4525 W FORK DR, SCHERTZ, TX 78154-3050
Document Number	0000000377
Instrument Date	Dec 26, 2018
Instrument	377
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4525 W FORK DR SCHERTZ TX 781543050, SCHERTZ, TX 78154-3050

Mortgage

Document Number	378
Date	Jan 3, 2019
Instrument	378

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jan 2, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 4525 W Fork Dr was $6,643 with a homeowner's exemption, down 8.1% from the year before.

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		$421,784 (-0.91%) Land $61,509 Building $360,275	$421,784 (-0.91%) Land $61,509 Building $360,275
2025	$6,643.00 (-8.07%) Homeowner's exemption	$425,661 Land $62,282 Building $363,379	$425,661 Land $62,282 Building $363,379
2024	$7,226.00 (+5.94%)
2023	$6,821.00 (-9.07%) Homeowner's exemption	$412,130 Land $58,336 Building $353,794	$412,130 Land $58,336 Building $353,794
2022	$7,501.00

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

Flood

FEMA maps place 4525 W Fork Dr in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 4525 W Fork Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.8% 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Guadalupe Valley Electric Cooperative.

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