Comal County property record for 4875 Spreading Oak Dr, Bulverde, TX 78163
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,810 sqft · built 1999 |
| Lot Size | 1.03 acres (45,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $219,450 (Jun 2026) |
| Tax Bill | $4,069 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-0552-0555-00 |
| Primary APN | 40-0552-0555-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,810 sqft Living Area |
| Gross Area | 2,462 sqft |
| 1st Floor Area | 1,810 sqft |
| Upper Floors Area | 130 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 45,000 sqft |
| Lot Dimensions | 300 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 352 sqft |
| Deck Area | Deck Area |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Street Address | 4875 SPREADING OAK DR |
|---|---|
| City | BULVERDE |
| State | TX |
| Zip | 78163-2764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK VILLAGE NORTH 1, LOT 111 |
| Legal Subdivision | OAK VILLAGE NORTH 1 |
| Legal Block | 2 |
| Legal Lot Number | 111 |
| Jurisdiction | COMAL TX |
| Township / Civil Division | CANYON LAKE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 310708 |
4875 Spreading Oak Dr is owned and occupied by an individual who bought it in June 2026.
Source: Comal County records, as of September 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4875 SPREADING OAK DR, BULVERDE, TX 78163-2764 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed, Transfer · Conventional Mortgage FROST BANK |
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RANDOLPH BROOKS FCU |
| May 1, 2018 | Vendor's Lien, Transfer · FHA Mortgage RB MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on File |
| Deed Sale | Jun 1, 2026 · Amount on File |
| Prior Sale | May 1, 2018 · Amount on File |
| Deed Document Number | 202616075 |
| Prior Transfer Date | Apr 27, 2018 |
| Prior Transfer Doc | 0000016400 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | COMAL TX |
| Recording Date | Jun 1, 2026 |
| Property Address | 4875 SPREADING OAK DR, BULVERDE, TX 78163-2764 |
| Document Number | 0000016075 |
| Instrument Date | May 29, 2026 |
| Instrument | 202616075 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4875 SPREADING OAK DR, BULVERDE, TX 78163-2764 |
| Document Number | 0000006076, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20266076 |
| Name | FROST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COMAL TX |
| Property Address | 4875 SPREADING OAK DR, BULVERDE, TX 78163-2764 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0006058535 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 202006058535 |
| Name | RANDOLPH BROOKS FCU |
|---|---|
| Type | Credit Union |
| Address | UNIVERSAL CITY, TX 78148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COMAL TX |
| Recording Date | May 1, 2018 |
| Property Address | 4875 SPREADING OAK DR, BULVERDE, TX 78163-2764 |
| Document Number | 0006016400 |
| Map Reference | VOL2 PG92 |
| Instrument Date | Apr 27, 2018 |
| Instrument | 201806016400 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Title Company | CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4875 SPREADING OAK DR, 4875, BULVERDE, TX 78163-2764 |
| Name | Verified Name |
|---|---|
| Address | 4875 SPREADING OAK DR, BULVERDE, TX 78163-2764 |
| Document Number | 0006016401 |
|---|---|
| Date | May 1, 2018 |
| Instrument | 201806016401 |
| Name | RB MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 4875 Spreading Oak Dr was $4,069, up 10.2% from the year before.
Source: Comal County assessment roll, as of September 14, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Comal County |
| Municipality | Bulverde City |
| Unified School District | Comal Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $366,950 (+0.3%) Land $139,340 Building $227,610 | $366,950 (-3.86%) Land $139,340 Building $227,610 | |
| 2025 | $4,069.00 (+10.18%) Homeowner's exemption | $365,850 | $381,690 Land $124,990 Building $256,700 |
| 2024 | $3,693.00 | ||
| 2023 | $379,190 Land $139,340 Building $239,850 | $379,190 Land $139,340 Building $239,850 | |
| 2022 | $3,100.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4875 Spreading Oak Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.
Source: FEMA National Flood Hazard Layer, effective October 5, 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 48 policies |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 3 (2013–2015) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Oct 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Claims by Event |
|
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 risk around 4875 Spreading Oak Dr is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 77% of Texas |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | OAK VILLAGE NORTH private · serves 1,944 people · EPA ID TX0460037 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GVTC Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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