Guadalupe County property record for 520 Saddle Cv, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,479 sqft · built 2015 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $379,848 (Nov 2024) |
| Tax Bill | $7,126 (2025) |
| Deeds & Mortgages | Nov 2024 Mortgage May 2022 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900401400500000 |
| Primary APN | 1G3900401400500000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,479 sqft Living Area |
| Gross Area | 3,045 sqft |
| 1st Floor Area | 1,778 sqft |
| 2nd Floor Area | 701 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete |
| Roof Type | Hip |
| 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 | 246 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 520 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 14 LOT 5 0.1377 AC |
| Legal Subdivision | SADDLE CREEK RANCH #4 |
| Legal Tract | 5 |
| Legal Block | 14 |
| Legal Lot Number | 5 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 210612 |
Source: Guadalupe County records · APN 1G3900401400500000
Assessment roll updated August 12, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 520 SADDLE CV, CIBOLO, TX 78108-3497 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Nov 27, 2024 | Vendor's Lien, Transfer · Conventional Mortgage BLUE SKY FUNDING LLC |
| May 10, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Jan 07, 2022 | Warranty Deed, Transfer WFG TITLE |
| Jul 08, 2019 | Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MTG |
| Jul 19, 2018 | Warranty Deed, Transfer · VA Mortgage AMERICAN PACIFIC MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 27, 2024 · Amount on Record |
| Deed Sale | Nov 27, 2024 · Amount on Record |
| Prior Sale | Jul 19, 2018 · Amount on Record |
| Deed Document Number | 202429289 |
| Prior Transfer Date | Jul 11, 2018 |
| Prior Transfer Doc | 0099016122 |
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Nov 27, 2024 |
| Property Address | TX |
| Document Number | 0099029289 |
| Map Reference | VOL 8 PG 84 |
| Instrument Date | Nov 25, 2024 |
| Instrument | 202499029289 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0099029290 |
|---|---|
| Date | Nov 27, 2024 |
| Instrument | 202499029290 |
| Name | BLUE SKY FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | May 10, 2022 |
| Property Address | TX |
| Document Number | 0099015014 |
| Map Reference | VOL 8 |
| Instrument Date | May 10, 2022 |
| Instrument | 202299015014 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 351 ROYAL OAKS DR, SAN ANTONIO, TX 78209-1623 |
| Name | Verified Name |
|---|---|
| Address | 520 SADDLE CONE, CIBOLO, TX 78108 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jan 07, 2022 |
| Property Address | TX |
| Document Number | 0099000763 |
| Instrument Date | Jan 06, 2022 |
| Instrument | 202299000763 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Title Company | WFG TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 SADDLE CV, CIBOLO, TX 78108-3497 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 520 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000016616 |
| Instrument Date | Jul 08, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 06, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 520 SADDLE CV CIBOLO TX 781083497, CIBOLO, TX 78108-3497 |
| Document Number | 0000016616 |
|---|---|
| Date | Jul 25, 2019 |
| Instrument | 16616 |
| Name | AMERICAN PACIFIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 24, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jul 19, 2018 |
| Property Address | 520 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000016122 |
| Instrument Date | Jul 11, 2018 |
| Instrument | 16122 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 2019 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 SADDLE CV CIBOLO TX 781083497, CIBOLO, TX 78108-3497 |
| Document Number | 16123 |
|---|---|
| Date | Jul 19, 2018 |
| Instrument | 16123 |
| Name | AMERICAN PACIFIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2048 |
Source: Guadalupe County records · Assessment roll updated August 12, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Cibolo City |
| County | Guadalupe County |
| Unified School District | Schertz-Cibolo-Universal City Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $368,583 (-0.19%) Land $42,315 Building $326,268 | $368,583 (-0.19%) Land $42,315 Building $326,268 | |
| 2025 | $7,126.00 (+18.02%) | $369,267 (-3.14%) Land $39,830 Building $329,437 | $369,267 (-3.14%) Land $39,830 Building $329,437 |
| 2024 | $6,038.00 (-2.75%) | ||
| 2023 | $6,209.00 (-2.7%) Homeowner's exemption | $381,246 Land $53,339 Building $327,907 | $381,246 Land $53,339 Building $327,907 |
| 2022 | $6,381.00 |
Source: FEMA National Flood Hazard Layer, Guadalupe County (48187C), updated April 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 481872106121, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 in force |
| 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 791 locations within half a mile · Last verified October 2026
| 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, Valley Telephone Cooperative, Inc. (TX), Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | GREEN VALLEY SUD serves 52,497 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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