Guadalupe County property record for 512 Saddle Cv, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,184 sqft · built 2014 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $383,100 (Sep 2021) |
| Tax Bill | $6,492 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900401400300000 |
| Primary APN | 1G3900401400300000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,184 sqft Living Area |
| Gross Area | 3,803 sqft |
| 1st Floor Area | 1,931 sqft |
| 2nd Floor Area | 1,253 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 35 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 512 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 14 LOT 3 0.1377 AC |
| Legal Subdivision | SADDLE CREEK RANCH #4 |
| Legal Tract | 3 |
| Legal Block | 14 |
| Legal Lot Number | 3 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 210612 |
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 | Individual Name on File |
|---|---|
| Mailing Address | 512 SADDLE CV, CIBOLO, TX 78108-3497 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK ALIQUIPPA, SERVICELINK ALIQUIPPA TITLE |
| May 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 21, 2021 | Vendor's Lien, Transfer · FHA Mortgage AMERICAN PACIFIC FUNDING |
| Nov 22, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MTG |
| Feb 27, 2019 | Warranty Deed, Transfer · FHA Mortgage PILGRIM MTG |
| Feb 27, 2019 | Warranty Deed, Transfer INDEPENDENCE TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2021 · Amount on File |
| Deed Sale | Sep 21, 2021 · Amount on File |
| Prior Sale | Sep 21, 2021 · Amount on File |
| Deed Document Number | 202199032636 |
| Prior Transfer Date | Sep 17, 2021 |
| Prior Transfer Doc | 0099032636 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jul 22, 2026 |
| Property Address | 512 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000019735 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202619735 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | SERVICELINK ALIQUIPPA, SERVICELINK ALIQUIPPA TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 512 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000019735, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 202619735 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 303 Months |
| Due | Oct 1, 2051 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | TX |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0099016906 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 202199016906 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Sep 21, 2021 |
| Property Address | TX |
| Document Number | 0099032636 |
| Map Reference | VOL 8 PG 84 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 202199032636 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 118, CIBOLO, TX 78108-0118 |
| Name | Verified Name |
|---|---|
| Address | 512 SADDLE CV, CIBOLO, TX 78108-3497 |
| Investor | Possibly a Property Investor |
| Document Number | 0099032637 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 202199032637 |
| Name | AMERICAN PACIFIC FUNDING |
|---|---|
| Type | Lending Institution |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 512 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000028118 |
| Instrument Date | Nov 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2020 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 512 SADDLE CV CIBOLO TX 781083497, CIBOLO, TX 78108-3497 |
| Document Number | 0000028118 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 28118 |
| Name | AMERIHOME MTG |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362-3888 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 8, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Feb 27, 2019 |
| Property Address | 512 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000004103 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 4103 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2019 |
| Title Company | INDEPENDENCE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 512 SADDLE CV CIBOLO TX 781083497, CIBOLO, TX 78108-3497 |
| Document Number | 4104 |
|---|---|
| Date | Feb 27, 2019 |
| Instrument | 4104 |
| Name | PILGRIM MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78232 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Feb 27, 2019 |
| Property Address | 512 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000004102 |
| Instrument Date | Feb 5, 2019 |
| Instrument | 4102 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2019 |
| Title Company | INDEPENDENCE TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40 APPLE RIDGE RD DANBURY CT 068107301, DANBURY, CT 06810-7301 |
| Investor | Possibly a Property Investor |
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 | $433,855 (+4.42%) Land $42,315 Building $391,540 | $433,855 (+4.42%) Land $42,315 Building $391,540 | |
| 2025 | $6,492.00 (-7.56%) Homeowner's exemption | $415,485 (-12.28%) Land $39,830 Building $375,655 | $415,485 (-12.28%) Land $39,830 Building $375,655 |
| 2024 | $7,023.00 (-23.25%) | ||
| 2023 | $9,151.00 (+11.71%) | $473,635 Land $53,339 Building $420,296 | $473,635 Land $53,339 Building $420,296 |
| 2022 | $8,192.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 85% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% 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.
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