55 Saddle Ridge Dr, Baird, TX 79504 Property Records

Callahan County property record for 55 Saddle Ridge Dr, Baird, TX 79504

Property Summary

Property Type	Single Family Home
Details	5,028 sqft · built 2004
Lot Size	1.4 acres (61,289 sqft)
Owner	2 Individual Names on File
Last Sale	$241,800 (Aug 2018)
Tax Bill	$6,588 (2026)
Deeds & Mortgages	Nov 2023 Construction Loan Mar 2021 Mortgage + 1 more
APN	`R000015013`

Property Details

APN / Parcel Number

Primary APN	`R000015013`
Alternative APN	`3325000001300`

Interior

Stories	1 Story
Building Area	5,028 sqft Total Area
1st Floor Area	2,414 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	61,289 sqft (1.4 acres)
Garage Type	Attached
Garage Area	532 sqft

Location & Zoning

Account Number	3325000001300
Street Address	55 SADDLE RIDGE DR
City	BAIRD
State	TX
Zip	79504-2752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACRES: 1.407 TRACT 13 SADDLE RIDGE ESTATES
Legal Subdivision	SADDLE RIDGE
Legal Tract	13
Jurisdiction	CALLAHAN TX
Township / Civil Division	BAIRD
Census Block Group	2
Census Block	2107
Census Tract	30200

Owner

55 Saddle Ridge Dr is owned and occupied by two individuals who bought it in August 2018.

Source: Callahan County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 SADDLE RIDGE DR, BAIRD, TX 79504-2752
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
Nov 22, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL BANK NA
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPEN MORTGAGE LLC
Aug 29, 2018	Vendor's Lien, Transfer · FHA Mortgage OPEN MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2018 · Amount on File
Deed Sale	Aug 29, 2018 · Amount on File
Prior Sale	Aug 2, 2016 · Amount on File
Deed Document Number	20181992
Prior Transfer Date	Aug 24, 2018
Prior Transfer Doc	0000001992
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAHAN TX
Property Address	55 SADDLE RIDGE DR, BAIRD, TX 79504-2752
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 SADDLE RIDGE DR, BAIRD, TX 79504-2752

Mortgage

Document Number	0000232493
Date	Nov 22, 2023
Instrument	232493

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	ABILENE, TX 79604

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	189 Months
Due	Aug 6, 2039

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAHAN TX
Property Address	55 SADDLE RIDGE DR, BAIRD, TX 79504-2752
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210576
Date	Mar 12, 2021
Instrument	210576

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALLAHAN TX
Recording Date	Aug 29, 2018
Property Address	55 SADDLE RIDGE DR, BAIRD, TX 79504-2752
Document Number	181992
Map Reference	SL 172
Instrument Date	Aug 24, 2018
Instrument	181992
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	FIRST RATE TITLE COMPANY, FIRST TEXAS TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 TOWER TRAIL, 324, DALLAS, TX 75229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 SADDLE RIDGE DR, BAIRD, TX 79504-2752

Mortgage

Document Number	181993
Date	Aug 29, 2018
Instrument	181993

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 55 Saddle Ridge Dr was $6,588 with a homeowner's exemption, up 47.2% from the year before.

Source: Callahan County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,588.00 (+47.18%) Homeowner's exemption	$441,700 (+4.19%) Land $14,210 Building $427,490	$441,700 (+4.19%) Land $14,210 Building $427,490
2025	$4,476.00 Homeowner's exemption	$423,950 Land $14,210 Building $409,740	$423,950 Land $14,210 Building $409,740
2023		$329,960 Land $14,070 Building $315,890	$329,960 Land $14,070 Building $315,890
2022	$3,775.00

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

Flood

FEMA has no flood map on file for 55 Saddle Ridge Dr; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 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 55 Saddle Ridge Dr is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · above 48% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond 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	CALLAHAN COUNTY WSC serves 3,741 people · EPA ID TX0300015
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2023
Lead	4 ppb (2026–2028) 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 Haloacetic acids resolved · Jul 2022 Nitrite resolved · Oct 2021
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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Nextlink Fixed Wireless	700 / 300
Windstream DSL	300 / 20

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