Guadalupe County property record for 540 Saddle Back Trl, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 2014 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,040 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G0583902003000000 |
| Primary APN | 1G0583902003000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| Gross Area | 2,098 sqft |
| 1st Floor Area | 1,552 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| 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 | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 129 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 540 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 30 |
| Legal Subdivision | CIBOLO VALLEY RANCH #9 |
| Legal Tract | 30 |
| Legal Block | 20 |
| Legal Lot Number | 30 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 210718 |
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 | 16527 FRONT ROYAL ST, SAN ANTONIO, TX 78247-1043 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF VETERANS AFFAIRS |
| Dec 29, 2021 | Cash Sale Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2021 |
| Deed Sale | Dec 29, 2021 |
| Prior Sale | Dec 29, 2021 |
| Deed Document Number | 202199044424 |
| Prior Transfer Date | Nov 21, 2014 |
| Prior Transfer Doc | 0000021938 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 540 SADDLE BACK TRL, CIBOLO, TX 78108-3808 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 540 SADDLE BACK TRL, CIBOLO, TX 78108-3808 |
| Document Number | 0099038459 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 202199038459 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | NASHVILLE, TN 37203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 1, 2046 |
| Document Type | Cash Sale Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Dec 29, 2021 |
| Property Address | 540 SADDLE BACK TRL, CIBOLO, TX 78108-3808 |
| Document Number | 0099044424 |
| Map Reference | VOL 8 PG 41&42 |
| Instrument Date | Dec 17, 2021 |
| Instrument | 202199044424 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 SADDLE BACK TRL, CIBOLO, TX 78108-3808 |
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 | $259,953 (-0.47%) Land $40,703 Building $219,250 | $259,953 (-0.47%) Land $40,703 Building $219,250 | |
| 2025 | $5,040.00 (-7.68%) | $261,169 (-9%) Land $35,907 Building $225,262 | $261,169 (-9%) Land $35,907 Building $225,262 |
| 2024 | $5,459.00 (-1.55%) | ||
| 2023 | $5,545.00 (+73.77%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $287,000 Land $45,463 Building $241,537 | $287,000 Land $45,463 Building $241,537 |
| 2022 | $3,191.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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