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516 Saddle House, Cibolo, TX 78108 Property Records

Guadalupe County property record for 516 Saddle House, Cibolo, TX 78108

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,754 sqft · built 2020
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on File
Last Sale$328,648 (Apr 2023)
Tax Bill$6,434 (2025)
Deeds & MortgagesApr 2023 Mortgage
Aug 2020 Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN1G3900602401100000

Property Details

APN / Parcel Number

Primary APN1G3900602401100000
Alternative APNs
  • 000000166208
  • 000000246886
  • 000000286254
  • 166208

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,754 sqft Living Area
Gross Area2,362 sqft
1st Floor Area1,754 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,970 sqft (0.16 acres)
Garage TypeAttached
Garage Area512 sqft
Parking Spaces2 Parking Spaces
PorchCovered Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address516 SADDLE HOUSE
CityCIBOLO
StateTX
Zip78108-3055
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSADDLE CREEK RANCH #6 BLOCK 24 LOT 11 .16 AC
Legal SubdivisionSADDLE CREEK RANCH #6
Legal Tract11
Legal Block24
Legal Lot Number11
JurisdictionGUADALUPE TX
Township / Civil DivisionSCHERTZ-CIBOLO
Census Block Group1
Census Block1007
Census Tract210612

Owner

516 Saddle House is owned and occupied by two individuals who bought it in April 2023.

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 Record2 Individual Names on File
Mailing Address516 SADDLE HOUSE, CIBOLO, TX 78108-3055
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2023Vendor's Lien, Transfer · VA Mortgage
NAVY FCU
Aug 6, 2020Grant Deed, Subdivision Related Transfer · FHA Mortgage
LEGACY MUTUAL MTG
Mar 9, 2020Loan Modification, Mortgage · Line of Credit
WELLS FARGO BK
Mar 9, 2020Grant Deed, Transfer
NOT AVAILABLE
Oct 31, 2019Correction Deed, Transfer
FIRST AMERICAN TITLE
Feb 4, 2019Grant Deed, Transfer
FIRST AMERICAN TITLE
Feb 6, 2019Trustee's Deed, Transfer · Line of Credit
OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 28, 2023 · Amount on File
Deed SaleApr 28, 2023 · Amount on File
Prior SaleAug 6, 2020 · Amount on File
Deed Document Number202310429
Prior Transfer DateAug 5, 2020
Prior Transfer Doc0099020695
Record UpdatedSep 20, 2026

April 2023: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionGUADALUPE TX
Recording DateApr 28, 2023
Property AddressTX
Document Number0099010429
Map ReferenceVOL 8 PG 644&645
Instrument DateApr 27, 2023
Instrument202399010429
Transaction TypeTransfer
Record UpdatedNov 3, 2025
Title CompanyALAMO TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address516 SADDLE HOUSE, CIBOLO, TX 78108-3055

Mortgage

Document Number0099010430
DateApr 28, 2023
Instrument202399010430
Lender
NameNAVY FCU
TypeCredit Union
Special NotesSeller Financed
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2053

August 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionGUADALUPE TX
Recording DateAug 6, 2020
Property Address516 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number0000020695
Instrument DateAug 5, 2020
Instrument20695
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 7, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address516 SADDLE HOUSE CIBOLO TX 781083055, CIBOLO, TX 78108-3055

Mortgage

Document Number20696
DateAug 6, 2020
Instrument20696
Lender
NameLEGACY MUTUAL MTG
TypeMortgage Company
AddressSAN ANTONIO, TX 78231
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 5, 2050

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionGUADALUPE TX
Property Address516 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number0000005911
Instrument DateMar 9, 2020
Transaction TypeMortgage
Record UpdatedMay 25, 2020
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915

Mortgage

Document Number0000005911
DateMar 9, 2020
Instrument5911
Lender
NameWELLS FARGO BK
TypeBank
Address1445 ROSS AVE # 48TH, DALLAS, TX 75202-2711
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionGUADALUPE TX
Recording DateMar 9, 2020
Property Address516 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number0000005910
Instrument DateMar 9, 2020
Instrument5910
Transaction TypeTransfer
Record UpdatedMay 21, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7910 GATEWAY BLVD E #112 EL PASO TX 799151816, 112, EL PASO, TX 79915-1816

October 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionGUADALUPE TX
Recording DateOct 31, 2019
Property Address516 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number0000024983
Instrument DateOct 30, 2019
Instrument24983
Transaction TypeTransfer
Record UpdatedNov 14, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915

February 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionGUADALUPE TX
Recording DateFeb 4, 2019
Property Address516 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number0000002463
Instrument DateJan 25, 2019
Instrument2463
Transaction TypeTransfer
Record UpdatedNov 6, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915

February 2019: Trustee's Deed, Transfer

Document TypeTrustee's Deed
JurisdictionGUADALUPE TX
Recording DateFeb 6, 2019
Property Address516 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number0000002639
Instrument DateJan 25, 2019
Instrument2639
Transaction TypeTransfer
Record UpdatedNov 6, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Partnership
Address8981 CASTNER DR #E EL PASO TX 799071833, E, EL PASO, TX 79907-1833
InvestorPossibly a Property Investor

Mortgage

Document Number2465
DateFeb 6, 2019
Instrument2465
Lender
NameOTHER INSTITUTIONAL LENDERS
TypeBank
Address8981 CASTNER DR # E, EL PASO, TX 79907-1833
Agreement
TypeLine of Credit
AmountAmount on Record
Term24 Months
DueFeb 5, 2021
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 516 Saddle House was $6,434, up 1.1% 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$315,816 (-5.27%) Land $45,339 Building $270,477$315,816 (-5.27%) Land $45,339 Building $270,477
2025$6,434.00 (+1.08%)$333,390 Land $43,849 Building $289,541$333,390 Land $43,849 Building $289,541
2024$6,365.00 (+34.31%)
2023$4,739.00 (-12.58%) Homeowner's exemption$372,030 (+24.67%) Land $57,981 Building $314,049$372,030 (+24.67%) Land $57,981 Building $314,049
2022$5,421.00 Homeowner's exemption$298,409 Land $43,545 Building $254,864$298,409 Land $43,545 Building $254,864

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

Flood

FEMA maps place 516 Saddle House 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 516 Saddle House is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · lower than 85% of Texas
Wildfire Likelihood0.05% 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.

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