Guadalupe County property record for 517 Saddle Cv, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,892 sqft · built 2013 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Oct 2017) |
| Tax Bill | $5,887 (2025) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900401301200000 |
| Primary APN | 1G3900401301200000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,892 sqft Living Area |
| Gross Area | 3,600 sqft |
| 1st Floor Area | 1,940 sqft |
| 2nd Floor Area | 952 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| 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 | 48 sqft |
| Deck Area | 220 sqft |
| Patio Area | 220 sqft |
| Storage Building | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 517 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 13 LOT 12 0.1377 AC |
| Legal Subdivision | SADDLE CREEK RANCH #4 |
| Legal Tract | 12 |
| Legal Block | 13 |
| Legal Lot Number | 12 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 210612 |
517 Saddle Cv is owned and occupied by two individuals who bought it in October 2017.
Source: Guadalupe County records, as of August 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 517 SADDLE CV, CIBOLO, TX 78108-3497 |
| 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.
| Date | Document |
|---|---|
| Nov 21, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage RANDOLPH BROOKS FCU |
| Oct 4, 2017 | Vendor's Lien, Transfer · Conventional Mortgage RANDOLPH BROOKS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2017 · Amount on File |
| Deed Sale | Oct 4, 2017 · Amount on File |
| Prior Sale | Mar 26, 2014 · Amount on File |
| Deed Document Number | 201723630 |
| Prior Transfer Date | Oct 2, 2017 |
| Prior Transfer Doc | 0000023630 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | TX |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0099029552 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 202599029552 |
| Name | RANDOLPH BROOKS FCU |
|---|---|
| Type | Credit Union |
| Address | UNIVERSAL CITY, TX 78148 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Oct 4, 2017 |
| Property Address | 517 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000023630 |
| Map Reference | VOL8 PG84 |
| Instrument Date | Oct 2, 2017 |
| Instrument | 2017023630 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 517 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000023631 |
|---|---|
| Date | Oct 4, 2017 |
| Instrument | 2017023631 |
| Name | RANDOLPH BROOKS FCU |
|---|---|
| Type | Credit Union |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 517 Saddle Cv was $5,887 with a homeowner's exemption, up 1.4% 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 | $320,414 (-16.59%) Land $42,315 Building $278,099 | $320,414 (-16.59%) Land $42,315 Building $278,099 | |
| 2025 | $5,887.00 (+1.4%) Homeowner's exemption | $384,140 Land $39,830 Building $344,310 | $384,140 Land $39,830 Building $344,310 |
| 2024 | $5,806.00 (+13.75%) | ||
| 2023 | $5,104.00 (-11.86%) Homeowner's exemption | $409,000 Land $53,339 Building $355,661 | $409,000 Land $53,339 Building $355,661 |
| 2022 | $5,791.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 517 Saddle Cv 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 |
| 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.
Wildfire risk around 517 Saddle Cv 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 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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