552 Saddle Back Trl, Cibolo, TX 78108 Property Records

Guadalupe County property record for 552 Saddle Back Trl, Cibolo, TX 78108

Property Summary

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
Last Sale	$169,565 (Jul 2023)
Tax Bill	$5,040 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G0583902002700000`

Property Details

APN / Parcel Number

Primary APN	`1G0583902002700000`
Alternative APNs	`000000148707` `000000271715` `000000289163` `148707`

Interior

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

Exterior

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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	552 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 27
Legal Subdivision	CIBOLO VALLEY RANCH #9
Legal Tract	27
Legal Block	20
Legal Lot Number	27
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1023
Census Tract	210718

Owner

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	552 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY LLC
Dec 23, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Jul 8, 2014 · Amount on Record
Deed Document Number	202316912
Prior Transfer Date	Jun 30, 2014
Prior Transfer Doc	0000011671
Record Updated	Sep 20, 2026

July 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Jul 7, 2023
Property Address	552 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Document Number	0099016912
Map Reference	VOL 8 PG 41
Instrument Date	Jun 27, 2023
Instrument	202399016912
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	552 SADDU BACK TRL, CIBOLO, TX 78106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 SADDU BACK TRL, CIBOLO, TX 78106

Mortgage

Document Number	0099016913
Date	Jul 7, 2023
Instrument	202399016913

Lender

Name	GUILD MORTGAGE COMPANY LLC
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	552 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Transaction Type	Mortgage
Record Updated	Jan 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099043944
Date	Dec 23, 2021
Instrument	202199043944

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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		$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 (-10.87%) Land $35,907 Building $225,262	$261,169 (-10.87%) Land $35,907 Building $225,262
2024	$5,459.00 (-3.57%)
2023	$5,661.00 (-5.22%)	$293,023 (+5.56%) Land $45,463 Building $247,560	$293,023 (+5.56%) Land $45,463 Building $247,560
2022	$5,973.00	$277,594 Land $37,529 Building $240,065	$277,594 Land $37,529 Building $240,065

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 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

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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