520 Saddle Back Trl, Cibolo, TX 78108 Property Records

Guadalupe County property record for 520 Saddle Back Trl, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,564 sqft · built 2014
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on Record
Last Sale	$274,312 (Feb 2022)
Tax Bill	$5,174 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`1G0583902003500000`

Property Details

APN / Parcel Number

Primary APN	`1G0583902003500000`
Alternative APNs	`000000148715` `000000267516` `148715`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,564 sqft Living Area
Gross Area	2,044 sqft
1st Floor Area	1,564 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick Veneer
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	415 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	125 sqft
Deck Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	520 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 35
Legal Subdivision	CIBOLO VALLEY RANCH #9
Legal Tract	35
Legal Block	20
Legal Lot Number	35
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1023
Census Tract	210718

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	520 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Vendor's Lien, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Oct 21, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on Record
Deed Sale	Feb 1, 2022 · Amount on Record
Prior Sale	Oct 21, 2021
Deed Document Number	20223547
Prior Transfer Date	Feb 25, 2016
Prior Transfer Doc	0000004165
Record Updated	Sep 20, 2026

February 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Feb 1, 2022
Property Address	520 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Document Number	0099003547
Map Reference	VOL 8 PG 41-412
Instrument Date	Jan 19, 2022
Instrument	202299003547
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 SADDLE BACK TRL, CIBOLO, TX 78108-3808

Mortgage

Document Number	0099003548
Date	Feb 1, 2022
Instrument	202299003548

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Oct 21, 2021
Property Address	520 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Document Number	0099036384
Instrument Date	Oct 20, 2021
Instrument	202199036384
Transaction Type	Transfer
Record Updated	Oct 28, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4343 N SCOTTSDALE RD, SCOTTSDALE, AZ 85251-3343
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$254,265 (-3.27%) Land $40,703 Building $213,562	$254,265 (-3.27%) Land $40,703 Building $213,562
2025		$262,852 (-5.28%) Land $35,907 Building $226,945	$262,852 (-5.28%) Land $35,907 Building $226,945
2024	$5,174.00 (-3.49%)
2023	$5,361.00 (+54.54%)	$277,500 Land $45,463 Building $232,037	$277,500 Land $45,463 Building $232,037
2022	$3,469.00

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

Flood

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

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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