October 2020: Warranty Deed, Subdivision Related Transfer
Document Type
Warranty Deed
Jurisdiction
GUADALUPE TX
Recording Date
Oct 30, 2020
Property Address
520 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number
0000030879
Instrument Date
Oct 29, 2020
Instrument
30879
Transaction Type
Subdivision Related Transfer
Record Updated
Nov 12, 2020
Title Company
FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS
Transaction
Tax
$0.00
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Married Couple
Address
520 SADDLE HOUSE CIBOLO TX 781083055, CIBOLO, TX 78108-3055
Mortgage
Document Number
30880
Date
Oct 30, 2020
Instrument
30880
Lender
Name
NEW AMERICAN FNDG
Type
Funding / Finance Company
Address
TUSTIN, CA 92780
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Oct 29, 2050
April 2020: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
GUADALUPE TX
Recording Date
Apr 21, 2020
Property Address
520 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number
0000009483
Instrument Date
Apr 21, 2020
Instrument
9483
Transaction Type
Transfer
Record Updated
Jun 15, 2020
Title Company
NOT AVAILABLE
Transaction
Tax
$0.00
Additional
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
7910 GATEWAY BLVD E #112 EL PASO TX 799151816, 112, EL PASO, TX 79915-1816
October 2019: Correction Deed, Transfer
Document Type
Correction Deed
Jurisdiction
GUADALUPE TX
Recording Date
Oct 31, 2019
Property Address
520 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number
0000024983
Instrument Date
Oct 30, 2019
Instrument
24983
Transaction Type
Transfer
Record Updated
Nov 14, 2019
Title Company
FIRST AMERICAN TITLE
Transaction
Tax
$0.00
Additional
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915
February 2019: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
GUADALUPE TX
Recording Date
Feb 4, 2019
Property Address
520 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number
0000002463
Instrument Date
Jan 25, 2019
Instrument
2463
Transaction Type
Transfer
Record Updated
Nov 6, 2019
Title Company
FIRST AMERICAN TITLE
Transaction
Tax
$0.00
Additional
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915
February 2019: Trustee's Deed, Transfer
Document Type
Trustee's Deed
Jurisdiction
GUADALUPE TX
Recording Date
Feb 6, 2019
Property Address
520 SADDLE HOUSE, CIBOLO, TX 78108-3055
Document Number
0000002639
Instrument Date
Jan 25, 2019
Instrument
2639
Transaction Type
Transfer
Record Updated
Nov 6, 2019
Title Company
FIRST AMERICAN TITLE
Transaction
Tax
$0.00
Additional
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Limited Partnership
Address
8981 CASTNER DR #E EL PASO TX 799071833, E, EL PASO, TX 79907-1833
Investor
Possibly a Property Investor
Mortgage
Document Number
2465
Date
Feb 6, 2019
Instrument
2465
Lender
Name
OTHER INSTITUTIONAL LENDERS
Type
Bank
Address
8981 CASTNER DR # E, EL PASO, TX 79907-1833
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
24 Months
Due
Feb 5, 2021
Interest
Rate Type
Adjustable Rate
Tax Assessment & Valuation
The 2025 property tax bill for 520 Saddle House was $5,649, down 3.9% from the year before.
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
$370,868 (-0.25%)Land $50,445Building $320,423
$370,868 (-0.25%)Land $50,445Building $320,423
2025
$5,649.00 (-3.91%)Homeowner's exemption
$371,800Land $50,758Building $321,042
$371,800Land $50,758Building $321,042
2024
$5,879.00 (-26.18%)
2023
$7,964.00 (+11.78%)
$412,213 (+24.49%)Land $66,102Building $346,111
$412,213 (+24.49%)Land $66,102Building $346,111
2022
$7,125.00
$331,121Land $50,238Building $280,883
$331,121Land $50,238Building $280,883
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 520 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 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
Wildfire risk around 520 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 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.
Drinking Water
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
Violations Reported to EPA
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.
Internet Providers
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.