Guadalupe County property record for 517 Saddle Back Trl, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,597 sqft · built 2014 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Nov 2014) |
| Tax Bill | $6,493 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G0583902104700000 |
| Primary APN | 1G0583902104700000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,597 sqft Living Area |
| Gross Area | 3,167 sqft |
| 1st Floor Area | 1,445 sqft |
| 2nd Floor Area | 1,152 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete |
| Roof Type | Gable |
| 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 | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 279 sqft |
| Deck Area | 108 sqft |
| Balcony Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 517 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 21 LOT 47 |
| Legal Subdivision | CIBOLO VALLEY RANCH #9 |
| Legal Tract | 47 |
| Legal Block | 21 |
| Legal Lot Number | 47 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 210718 |
517 Saddle Back Trl is owned by an individual who bought it in November 2014.
Source: Guadalupe County records, as of August 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 740 SIBLEY ST, HONOLULU, HI 96818-3633 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 10, 2014 · Amount on File |
| Deed Sale | Nov 10, 2014 · Amount on File |
| Prior Sale | Nov 10, 2014 |
| Deed Document Number | 201419894 |
| Prior Transfer Date | Nov 5, 2014 |
| Prior Transfer Doc | 0000019894 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 517 SADDLE BACK TRL, CIBOLO, TX 78108-3808 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0099009949 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 202199009949 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 286 Months |
| Due | Jan 1, 2045 |
The 2025 property tax bill for 517 Saddle Back Trl was $6,493, down 5.4% from the year before.
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 | $358,264 (+6.47%) Land $40,703 Building $317,561 | $358,264 (+6.47%) Land $40,703 Building $317,561 | |
| 2025 | $6,493.00 (-5.38%) | $336,488 Land $35,907 Building $300,581 | $336,488 Land $35,907 Building $300,581 |
| 2024 | $6,862.00 (-3.01%) | ||
| 2023 | $7,075.00 (-5.67%) | $366,213 Land $45,463 Building $320,750 | $366,213 Land $45,463 Building $320,750 |
| 2022 | $7,500.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 517 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 risk around 517 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.
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 |
| 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.
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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