521 Phantom Rider Trl, Spring Branch, TX 78070 Property Records

Comal County property record for 521 Phantom Rider Trl, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	4 ba · 5,811 sqft · built 2006
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$109,300 (May 2005)
Tax Bill	$11,269 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-0400-0335-00`

Property Details

APN / Parcel Number

Primary APN	`15-0400-0335-00`
Alternative APN	`23139`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	5,811 sqft Living Area
Gross Area	7,170 sqft
1st Floor Area	2,550 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Covered Porch
Porch Area	160 sqft
Storage Building	256 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	521 PHANTOM RIDER TRL
City	SPRING BRANCH
State	TX
Zip	78070-5675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CYPRESS SPRINGS ON THE GUADALUPE 4, LOT 335
Legal Subdivision	CYPRESS SPRINGS ON THE GUADALUPE 4
Legal Block	1
Legal Lot Number	335
Jurisdiction	COMAL TX
Township / Civil Division	CANYON LAKE
Census Block Group	1
Census Block	1049
Census Tract	310702

Owner

Source: Comal County records, as of September 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	521 PHANTOM RIDER TRL, SPRING BRANCH, TX 78070-5675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 6, 2019	Deed of Trust, Mortgage · Line of Credit RANDOLPH BROOKS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2005 · Amount on Record
Deed Sale	May 12, 2005 · Amount on Record
Deed Document Number	20056017372
Prior Transfer Date	May 10, 2005
Prior Transfer Doc	0006017372
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	521 PHANTOM RIDER TRL, SPRING BRANCH, TX 78070-5675
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006042337
Date	Aug 11, 2021
Instrument	202106042337

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Jun 1, 2041

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	521 PHANTOM RIDER TRL, SPRING BRANCH, TX 78070-5675
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006007620
Date	Mar 6, 2019
Instrument	201906007620

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	49 Months
Due	Apr 1, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Comal County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Comal County
Unified School District	Comal Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$858,534 (-18.38%)	$911,947 (-14%) Land $346,500 Building $565,447
2025	$11,269.00 (+1.28%) Homeowner's exemption	$1,051,809 (+39.03%) Land $308,000 Building $752,380	$1,060,380 (+40.17%) Land $308,000 Building $752,380
2024	$11,127.00 (+56.98%)
2023		$756,511 Land $308,000 Building $448,511	$756,511 Land $308,000 Building $448,511
2022	$7,088.00

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 October 5, 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 Record median of 40 policies
Nearby Flood Policies	40 in force
Nearby Flood Claims	26 (1991–2026)
Claims Outside the SFHA	7 of 26
Most Recent Claim	Jul 2026 · Flooding
Claims by Event	Flooding, Jul 2026 · 2 claims Severe Storms And Flooding, Jul 2002 · 21 claims

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	Moderate above 51% of the US · lower than 73% of Texas
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	CLWSC CANYON LAKE SHORES private · serves 44,196 people · EPA ID TX0460019
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Turbidity resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GVTC Fiber	5,000 / 5,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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