512 Saddle Pass, Cibolo, TX 78108 Property Records

Guadalupe County property record for 512 Saddle Pass, Cibolo, TX 78108

Property Summary

Property TypeSingle Family Home
Details5 bd · 3.5 ba · 3,106 sqft · built 2013
Lot Size0.152 acres (6,600 sqft)
OwnerCompany Name on File
Tax Bill$7,677 (2025)
Deeds & MortgagesSep 2026 Sale
Apr 2023 Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN1G3900401300200000

Property Details

APN / Parcel Number

Primary APN1G3900401300200000
Alternative APNs
  • 000000150899
  • 000000253048
  • 000000285367
  • 150899

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,106 sqft Living Area
Gross Area3,772 sqft
1st Floor Area1,518 sqft
2nd Floor Area1,588 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Exterior MaterialBrick Veneer
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,600 sqft (0.152 acres)
Lot Dimensions120 ft deep x 55 ft wide
Garage TypeAttached
Garage Area515 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area99 sqft
Patio Area52 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address512 SADDLE PASS
CityCIBOLO
StateTX
Zip78108-3631
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSADDLE CREEK RANCH #4 BLOCK 13 LOT 2 0.1515 AC
Legal SubdivisionSADDLE CREEK RANCH #4
Legal Tract2
Legal Block13
Legal Lot Number2
JurisdictionGUADALUPE TX
Township / Civil DivisionSCHERTZ-CIBOLO
Census Block Group1
Census Block1026
Census Tract210612

Owner

512 Saddle Pass is owned by a company that acquired it in September 2026.

Source: Guadalupe County records, as of October 14, 2026

Owner of RecordCompany Name on File
Mailing Address2600 DALLAS PKWY, 101, FRISCO, TX 75034-8984
Owner TypeCompany
VestingCompany

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

DateDocument
Sep 30, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Apr 10, 2023Vendor's Lien, Subdivision Related Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
May 23, 2022Special Warranty Deed, Construction Loan
OS NATIONAL LLC
Jan 4, 2021Warranty Deed, Transfer
OSN TEXAS
May 8, 2020Deed of Trust, Mortgage · VA Mortgage
CLEARPATH LNDG
Apr 1, 2019Deed of Trust, Mortgage · VA Mortgage
CLEARPATH LNDG
Jan 11, 2017Deed of Trust, Mortgage · VA Mortgage
CLEARPATH LNDG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 30, 2026
Deed SaleSep 30, 2026
Prior SaleApr 10, 2023 · Amount on File
Deed Document Number202626433
Prior Transfer DateOct 13, 2013
Prior Transfer Doc0000025793
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGUADALUPE TX
Recording DateSep 30, 2026
Property Address512 SADDLE PASS, CIBOLO, TX 78108-3631
Document Number0000026433
Instrument DateMay 18, 2026
Instrument202626433
Transaction TypeTransfer
Record UpdatedOct 13, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

April 2023: Vendor's Lien, Subdivision Related Transfer

Document TypeVendor's Lien
JurisdictionGUADALUPE TX
Recording DateApr 10, 2023
Property AddressTX
Document Number0099008610
Map ReferenceVOL 8 PG 4
Instrument DateApr 7, 2023
Instrument202399008610
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 3, 2025

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address300 MONTGOMERY ST STE 350, 350, SAN FRANCISCO, CA 94104-1925

Transferred To (Grantee/Buyer)

NameVerified Name
Address512 SADDLE PASS, CIBOLO, TX 78108-3631

Mortgage

Document Number0099008611
DateApr 10, 2023
Instrument202399008611
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2053

May 2022: Special Warranty Deed, Construction Loan

Document TypeSpecial Warranty Deed
JurisdictionGUADALUPE TX
Recording DateMay 23, 2022
Property AddressTX
Document Number0099016316
Map ReferenceVOL 8 PG 84
Instrument DateMay 20, 2022
Instrument202299016316
Transaction TypeConstruction Loan
Record UpdatedNov 3, 2025
Title CompanyOS NATIONAL LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address300 MONTGOMERY ST STE 350, 350, SAN FRANCISCO, CA 94104-1925

Transferred To (Grantee/Buyer)

NameVerified Name
Address300 MONTGOMERY ST STE 350, 350, SAN FRANCISCO, CA 94104-1925
InvestorPossibly a Property Investor

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGUADALUPE TX
Recording DateJan 4, 2021
Property Address512 SADDLE PASS, CIBOLO, TX 78108-3631
Document Number0000000187
Instrument DateDec 29, 2020
Instrument187
Transaction TypeTransfer
Record UpdatedJan 21, 2021
Title CompanyOSN TEXAS

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address300 MONTGOMERY ST #1200 SAN FRANCISCO CA 941041914, 1200, SAN FRANCISCO, CA 94104-1914

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGUADALUPE TX
Property Address512 SADDLE PASS, CIBOLO, TX 78108-3631
Document Number0000013064
Instrument DateMay 8, 2020
Transaction TypeMortgage
Record UpdatedJul 14, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address512 SADDLE PASS CIBOLO TX 781083631, CIBOLO, TX 78108-3631

Mortgage

Document Number0000013064
DateMay 29, 2020
Instrument13064
Lender
NameCLEARPATH LNDG
AddressIRVINE, CA 92618
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueMay 28, 2050

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGUADALUPE TX
Property Address512 SADDLE PASS, CIBOLO, TX 78108-3631
Document Number0000008290
Instrument DateApr 1, 2019
Transaction TypeMortgage
Record UpdatedNov 6, 2019
Title CompanyVANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address512 SADDLE PASS CIBOLO TX 781083631, CIBOLO, TX 78108-3631

Mortgage

Document Number0000008290
DateApr 18, 2019
Instrument8290
Lender
NameCLEARPATH LNDG
AddressIRVINE, CA 92618
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueApr 17, 2049

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGUADALUPE TX
Property Address512 SADDLE PASS, CIBOLO, TX 78108-3631
Document Number0000001741
Instrument DateJan 11, 2017
Transaction TypeMortgage
Record UpdatedNov 6, 2019
Title CompanyVANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address512 SADDLE PASS CIBOLO TX 781083631, CIBOLO, TX 78108-3631

Mortgage

Document Number0000001741
DateJan 24, 2017
Instrument1741
Lender
NameCLEARPATH LNDG
AddressIRVINE, CA 92618
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJan 23, 2047
Interest
Rate TypeAdjustable Rate
Rate2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 512 Saddle Pass was $7,677, down 2.6% from the year before.

Source: Guadalupe County assessment roll, as of August 12, 2026

Property Jurisdictions

TypeName
StateTexas
MunicipalityCibolo City
CountyGuadalupe County
Unified School DistrictSchertz-Cibolo-Universal City Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$414,049 (+4.08%) Land $43,931 Building $370,118$414,049 (+4.08%) Land $43,931 Building $370,118
2025$7,677.00 (-2.59%)$397,799 Land $42,117 Building $355,682$397,799 Land $42,117 Building $355,682
2024$7,881.00 (-10.85%)
2023$8,840.00 (+11.6%)$457,543 Land $55,952 Building $401,591$457,543 Land $55,952 Building $401,591
2022$7,921.00

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

Flood

FEMA maps place 512 Saddle Pass 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 16 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies16 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 512 Saddle Pass is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within 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 SystemGREEN VALLEY SUD
serves 52,497 people · EPA ID TX0940020
Water SourcePurchased surface water from several systems
Last State InspectionJul 2024
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 791 locations within half a mile, as of December 31, 2025

ProviderMax 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.

Nearby Properties on Saddle Pass

Nearby Streets

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