4591 Scots Elm, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 4591 Scots Elm, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	2,704 sqft · built 2018
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$368,500 (Dec 2020)
Tax Bill	$7,119 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1G0727300800200000`

Property Details

APN / Parcel Number

Primary APN	`1G0727300800200000`
Alternative APNs	`000000161804` `000000251254` `161804`

Interior

Stories	2 Stories
Building Area	2,704 sqft Living Area
Gross Area	3,284 sqft
1st Floor Area	2,144 sqft
2nd Floor Area	560 sqft
Utility Area	96 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	151 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	4591 SCOTS ELM
City	CIBOLO
State	TX
Zip	78108-3666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CYPRESS POINT #3 BLOCK 8 LOT 2 0.17 AC
Legal Subdivision	CYPRESS POINT #3
Legal Tract	2
Legal Block	8
Legal Lot Number	2
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1013
Census Tract	210614

Owner

4591 Scots Elm is owned and occupied by two individuals who bought it in December 2020.

Source: Guadalupe County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4591 SCOTS ELM, CIBOLO, TX 78108-3666
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
Dec 14, 2020	Warranty Deed, Transfer HOMETRUST MTG
Sep 25, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC
Aug 1, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Prior Sale	Aug 1, 2018 · Amount on File
Deed Document Number	202099036207
Prior Transfer Date	Nov 25, 2020
Prior Transfer Doc	0099036207
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Dec 14, 2020
Property Address	4591 SCOTS ELM, SCHERTZ, TX 78108-3666
Document Number	0000036207
Instrument Date	Nov 25, 2020
Instrument	36207
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

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	4591 SCOTS ELM SCHERTZ TX 781083666, SCHERTZ, TX 78108-3666

Mortgage

Document Number	36208
Date	Dec 14, 2020
Instrument	36208

Lender

Name	HOMETRUST MTG
Type	Mortgage Company
Address	HOUSTON, TX 77056

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	4591 SCOTS ELM, SCHERTZ, TX 78108-3666
Document Number	0000022567
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4591 SCOTS ELM CIBOLO TX 781083666, CIBOLO, TX 78108-3666

Mortgage

Document Number	0000022567
Date	Oct 2, 2019
Instrument	22567

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Oct 1, 2047

August 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	GUADALUPE TX
Recording Date	Aug 1, 2018
Property Address	4591 SCOTS ELM, SCHERTZ, TX 78108-3666
Document Number	0000017294
Instrument Date	Jul 27, 2018
Instrument	17294
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 6, 2019
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4591 SCOTS ELM SCHERTZ TX 781083666, SCHERTZ, TX 78108-3666

Mortgage

Document Number	17295
Date	Aug 1, 2018
Instrument	17295

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

Mortgage

Document Number	1256,
Date	Aug 1, 2018
Instrument	1256

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4591 Scots Elm was $7,119 with exemptions applied, down 4.4% 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		$350,000 (-5.65%) Land $46,851 Building $303,149	$350,000 (-5.65%) Land $46,851 Building $303,149
2025	$7,119.00 (-4.43%)	$370,976 (-4.27%) Land $43,594 Building $327,382	$370,976 (-4.27%) Land $43,594 Building $327,382
2024	$7,449.00 (+19.62%)	$387,533 (+21.33%) Land $43,793 Building $343,740	$387,533 (+21.33%) Land $43,793 Building $343,740
2023	$6,227.00 (-13.37%)	$319,417 Land $58,078 Building $261,339	$319,417 Land $58,078 Building $261,339
2022	$7,188.00

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

Flood

FEMA maps place 4591 Scots Elm 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 4591 Scots Elm is moderate, ranking above 46% 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 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.07% 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.

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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Guadalupe Valley Electric Cooperative Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, T-Mobile.

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