516 Saddle Back Trl, Cibolo, TX 78108 Property Records

Guadalupe County property record for 516 Saddle Back Trl, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 2014
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on File
Last Sale	$213,000 (Jun 2020)
Tax Bill	$3,629 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G0583902003600000`

Property Details

APN / Parcel Number

Primary APN	`1G0583902003600000`
Alternative APNs	`000000148716` `000000245075` `148716`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
Gross Area	2,143 sqft
1st Floor Area	1,552 sqft
Utility Area	100 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	174 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	516 SADDLE BACK TRL
City	CIBOLO
State	TX
Zip	78108-3808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CIBOLO VALLEY RANCH #9 BLOCK 20 LOT 36
Legal Subdivision	CIBOLO VALLEY RANCH #9
Legal Tract	36
Legal Block	20
Legal Lot Number	36
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1023
Census Tract	210718

Owner

516 Saddle Back Trl is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	516 SADDLE BACK TRL, CIBOLO, TX 78108-3808
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
Jun 17, 2020	Warranty Deed, Transfer · FHA Mortgage PILGRIM MTG
Aug 17, 2017	Vendor's Lien, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2020 · Amount on File
Deed Sale	Jun 17, 2020 · Amount on File
Prior Sale	Aug 17, 2017 · Amount on File
Deed Document Number	202099015023
Prior Transfer Date	Jun 15, 2020
Prior Transfer Doc	0099015023
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jun 17, 2020
Property Address	516 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Document Number	0000015023
Instrument Date	Jun 15, 2020
Instrument	15023
Transaction Type	Transfer
Record Updated	Aug 6, 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	516 SADDLE BACK TRL CIBOLO TX 781083808, CIBOLO, TX 78108-3808

Mortgage

Document Number	15024
Date	Jun 17, 2020
Instrument	15024

Lender

Name	PILGRIM MTG
Type	Mortgage Company
Address	SAN ANTONIO, TX 78232

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2050

Mortgage

Document Number	15025,
Date	Jun 17, 2020
Instrument	15025

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	PO BOX 13941, AUSTIN, TX 78711-3941

Agreement

Amount	Amount on Record

August 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Aug 17, 2017
Property Address	516 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Document Number	0000019741
Map Reference	VOL8 PG41&42
Instrument Date	Aug 11, 2017
Instrument	2017019741
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 SADDLE BACK TRL, CIBOLO, TX 78108-3808

Mortgage

Document Number	0000019742
Date	Aug 17, 2017
Instrument	2017019742

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 516 Saddle Back Trl was $3,629 with exemptions applied, down 17.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Texas
Municipality	Cibolo City
County	Guadalupe County
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		$265,972 (-0.43%) Land $40,703 Building $225,269	$265,972 (-0.43%) Land $40,703 Building $225,269
2025	$3,629.00 (-17.73%) Homeowner's exemption	$267,131 Land $35,907 Building $231,224	$267,131 Land $35,907 Building $231,224
2024	$4,411.00 (+14.48%)
2023	$3,853.00 (-36.1%)	$295,743 Land $45,463 Building $250,280	$295,743 Land $45,463 Building $250,280
2022	$6,030.00

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

Flood

FEMA maps place 516 Saddle Back Trl 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	5 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 516 Saddle Back Trl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.03% 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 CIBOLO serves 20,331 people · EPA ID TX0940018
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 661 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon, ZipLink Internet.

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