549 Saddle Back Trl, Cibolo, TX 78108 Property Records

Guadalupe County property record for 549 Saddle Back Trl, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,729 sqft · built 2014
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on File
Last Sale	$371,420 (Oct 2023)
Tax Bill	$7,455 (2023)
Deeds & Mortgages	Oct 2023 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G0583902103900000`

Property Details

APN / Parcel Number

Primary APN	`1G0583902103900000`
Alternative APNs	`000000148729` `000000230171` `000000292178` `148729`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,729 sqft Living Area
Gross Area	3,336 sqft
1st Floor Area	1,933 sqft
2nd Floor Area	796 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick Veneer
Roof Type	Gable
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	399 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	112 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	549 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 21 LOT 39
Legal Subdivision	CIBOLO VALLEY RANCH #9
Legal Tract	39
Legal Block	21
Legal Lot Number	39
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1022
Census Tract	210718

Owner

549 Saddle Back Trl is owned and occupied by an individual who bought it in October 2023.

Source: Guadalupe County records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	549 SADDLE BACK TRL, CIBOLO, TX 78108-3808
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Vendor's Lien, Transfer · VA Mortgage AMCAP MORTGAGE LTD
Jan 28, 2019	Warranty Deed, Transfer AARON B & ERIKA N S BANKS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2023 · Amount on File
Deed Sale	Oct 20, 2023 · Amount on File
Prior Sale	Jun 17, 2014 · Amount on File
Deed Document Number	202326148
Prior Transfer Date	May 23, 2014
Prior Transfer Doc	0000010308
Record Updated	Sep 20, 2026

October 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Oct 20, 2023
Property Address	549 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Document Number	0099026148
Map Reference	VOL 8 PG 41-42
Instrument Date	Oct 16, 2023
Instrument	202399026148
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4310 S FLORES ST, SAN ANTONIO, TX 78214-1212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 SADDLE BACK TRL, CIBOLO, TX 78108-3808

Mortgage

Document Number	0099026149
Date	Oct 20, 2023
Instrument	202399026149

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jan 28, 2019
Property Address	549 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Document Number	0000001813
Instrument Date	Jan 25, 2019
Instrument	1813
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12903 MONTROSE SAN ANTONIO TX 78223, SAN ANTONIO, TX 78223

Mortgage

Document Number	1814
Date	Jan 28, 2019
Instrument	1814

Lender

Name	AARON B & ERIKA N S BANKS
Address	9514 GOLDENROD CIR, GARDEN RIDGE, TX 78266-2070
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2049

Tax Assessment & Valuation

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		$383,221 (+8.62%) Land $40,703 Building $342,518	$383,221 (+8.62%) Land $40,703 Building $342,518
2025		$352,825 Land $35,907 Building $316,918	$352,825 Land $35,907 Building $316,918
2023	$7,455.00 (-5.76%)	$385,845 Land $45,463 Building $340,382	$385,845 Land $45,463 Building $340,382
2022	$7,911.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 549 Saddle Back Trl 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
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.

Wildfire

Wildfire risk around 549 Saddle Back Trl is low, with a 0.03% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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