Guadalupe County property record for 521 Saddle Cv, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,538 sqft · built 2014 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,782 (2022) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900401301300000 |
| Primary APN | 1G3900401301300000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,538 sqft Living Area |
| Gross Area | 3,036 sqft |
| 1st Floor Area | 1,100 sqft |
| 2nd Floor Area | 1,438 sqft |
| Flooring | Carpet |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| 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 | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | 90 sqft |
| Patio Area | 80 sqft |
| Storage Building | 49 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 521 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 13 0.1377 AC |
| Legal Subdivision | SADDLE CREEK RANCH #4 |
| Legal Block | 13 |
| Legal Lot Number | 13 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 210612 |
521 Saddle Cv is owned and occupied by an individual.
Source: Guadalupe County records, as of August 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 521 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 |
|---|---|
| Feb 17, 2022 | Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| May 17, 2018 | Loan Modification, Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Feb 17, 2022 |
| Property Address | TX |
| Document Number | 0099005404 |
| Map Reference | VOL 4 PG 84 |
| Instrument Date | Feb 17, 2022 |
| Instrument | 202299005404 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Title Company | UNKNOWN, CTOT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 SADDLE CV, CIBOLO, TX 78108-3497 |
| Investor | Possibly a Property Investor |
| Document Number | 0099005405 |
|---|---|
| Date | Feb 17, 2022 |
| Instrument | 202299005405 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 521 SADDLE CV, CIBOLO, TX 78108-3497 |
| Document Number | 0000020020 |
| Instrument Date | May 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 521 SADDLE CV CIBOLO TX 781083497, CIBOLO, TX 78108-3497 |
| Document Number | 0000020020 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 20020 |
| Name | PENNYMAC |
|---|---|
| Address | CIBOLO, TX 78108 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 29, 2048 |
| Rate | 4% |
|---|
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 | $343,721 (-0.28%) Land $42,315 Building $301,406 | $343,721 (-0.28%) Land $42,315 Building $301,406 | |
| 2025 | $344,697 Land $39,830 Building $304,867 | $344,697 Land $39,830 Building $304,867 | |
| 2023 | $391,399 Land $53,339 Building $338,060 | $391,399 Land $53,339 Building $338,060 | |
| 2022 | $5,782.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 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 521 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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