Guadalupe County property record for 509 Saddle Cv, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,329 sqft · built 2013 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | Individual Name on File |
| Last Sale | $537,320 (Dec 2025) |
| Tax Bill | $2,958 (2023) |
| Deeds & Mortgages | Oct 2023 Line of Credit Apr 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900401301000000 |
| Primary APN | 1G3900401301000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,329 sqft Living Area |
| Gross Area | 3,949 sqft |
| 1st Floor Area | 1,741 sqft |
| 2nd Floor Area | 1,588 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,360 sqft (0.146 acres) |
| Lot Dimensions | 120 ft deep x 53 ft wide |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
|---|---|
| Porch Area | 142 sqft |
| Deck Area | 72 sqft |
| Patio Area | 79 sqft |
| Storage Building | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 509 SADDLE CV |
|---|---|
| City | CIBOLO |
| State | TX |
| Zip | 78108-3497 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK RANCH #4 BLOCK 13 LOT 10 0.146 AC |
| Legal Subdivision | SADDLE CREEK RANCH #4 |
| Legal Tract | 10 |
| Legal Block | 13 |
| Legal Lot Number | 10 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 210612 |
509 Saddle Cv is owned and occupied by an individual who bought it in December 2025.
Source: Guadalupe County records, as of August 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| 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.
| Date | Document |
|---|---|
| Oct 10, 2023 | Deed of Trust, Mortgage · Line of Credit RIVERSTONE BANK |
| Apr 14, 2025 | Deed of Trust, Mortgage · VA Mortgage DIRECTIONS EQUITY LLC |
| Dec 17, 2025 | Special Warranty Deed, Transfer · Seller Carry-Back COURTNEY DAVIS |
| Nov 17, 2023 | Vendor's Lien, Transfer · VA Mortgage DIRECTIONS EQUITY LLC |
| Jul 26, 2023 | Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE SAN MATEO, FIDELITY NATL TTL OF SAN ANT |
| Jul 26, 2023 | Gift Deed, Transfer FIDELITY NATIONAL TITLE SAN MATEO, FIDELITY NATL TTL OF SAN ANT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2025 · Amount on File |
| Deed Sale | Dec 17, 2025 · Amount on File |
| Prior Sale | Nov 17, 2023 · Amount on File |
| Deed Document Number | 202531641 |
| Prior Transfer Date | Jun 23, 2023 |
| Prior Transfer Doc | 0000018547 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0099025231 |
|---|---|
| Date | Oct 10, 2023 |
| Instrument | 202399025231 |
| Name | RIVERSTONE BANK |
|---|---|
| Type | Bank |
| Address | CHEYENNE, WY 82003 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0099008790 |
|---|---|
| Date | Apr 14, 2025 |
| Instrument | 202599008790 |
| Name | DIRECTIONS EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78248 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Dec 17, 2025 |
| Property Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0099031641 |
| Map Reference | VOL 8 PG 84 |
| Instrument Date | Nov 26, 2025 |
| Instrument | 202599031641 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0099031642 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 202599031642 |
| Name | COURTNEY DAVIS |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Nov 17, 2023 |
| Property Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0099028313 |
| Map Reference | VOL 8 PG 84 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 202399028313 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0099028314 |
|---|---|
| Date | Nov 17, 2023 |
| Instrument | 202399028314 |
| Name | DIRECTIONS EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jul 26, 2023 |
| Property Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0099018548 |
| Map Reference | VOL 8 PG 84 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 202399018548 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Title Company | FIDELITY NATIONAL TITLE SAN MATEO, FIDELITY NATL TTL OF SAN ANT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117 HILL SHORE LN, CLAYTON, NC 27527-5597 |
| Name | Verified Name |
|---|---|
| Address | 222 E 18TH ST, CHEYENNE, WY 82001-4508 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jul 26, 2023 |
| Property Address | 509 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0099018547 |
| Map Reference | VOL 8 PG 84 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 202399018547 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Title Company | FIDELITY NATIONAL TITLE SAN MATEO, FIDELITY NATL TTL OF SAN ANT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7421 MARILYN LN, HOUSTON, TX 77016-2736 |
| Name | Verified Name |
|---|---|
| Address | 117 HILL SHORE LN, CLAYTON, NC 27527-5597 |
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 | $439,269 (+5.85%) Land $43,274 Building $395,995 | $439,269 (+5.85%) Land $43,274 Building $395,995 | |
| 2025 | $414,995 Land $41,199 Building $373,796 | $414,995 Land $41,199 Building $373,796 | |
| 2023 | $2,958.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $478,340 (+24.27%) Land $54,894 Building $423,446 | $478,340 (+24.27%) Land $54,894 Building $423,446 |
| 2022 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $384,928 Land $40,987 Building $343,941 | $384,928 Land $40,987 Building $343,941 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 Saddle Cv 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 |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 509 Saddle Cv is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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 791 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 |
May also be available: Guadalupe Valley Electric Cooperative, Hotwire Communications, Verizon, VTX Communications.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures