560 Saddle Back Trl, Cibolo, TX 78108 Property Records

Guadalupe County property record for 560 Saddle Back Trl, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,597 sqft · built 2013
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,000 (May 2014)
Tax Bill	$5,248 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1G0583902002500000`

Property Details

APN / Parcel Number

Primary APN	`1G0583902002500000`
Alternative APNs	`000000148705` `000000175074` `148705`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,597 sqft Living Area
Gross Area	3,122 sqft
1st Floor Area	1,445 sqft
2nd Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete
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	462 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1 sqft
Porch	Covered Porch
Porch Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	560 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 25
Legal Subdivision	CIBOLO VALLEY RANCH #9
Legal Tract	25
Legal Block	20
Legal Lot Number	25
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	2 Individual Names on Record
Mailing Address	560 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Mar 20, 2019	Deed of Trust, Mortgage RANDOLPH BROOKS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2014 · Amount on Record
Deed Sale	May 21, 2014 · Amount on Record
Prior Sale	May 21, 2014
Deed Document Number	20148519
Deed Book / Page	4228 / 3
Prior Transfer Date	May 15, 2014
Prior Transfer Doc	0000008519
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	560 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099027539
Date	Nov 8, 2023
Instrument	202399027539

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	560 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	AUSTIN TITLE, ATC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099030279
Date	Sep 1, 2021
Instrument	202199030279

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2041

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	560 SADDLE BACK TRL, CIBOLO, TX 78108-3808
Document Number	0000006352
Instrument Date	Mar 20, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 SADDLE BACK TRL CIBOLO TX 781083808, CIBOLO, TX 78108-3808

Mortgage

Document Number	0000006352
Date	Mar 26, 2019
Instrument	6352

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148-2097

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 25, 2024

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		$366,000 (+4.27%) Land $40,703 Building $325,297	$366,000 (+2.71%) Land $40,703 Building $325,297
2025	$5,248.00 (+3.39%) Homeowner's exemption	$351,019 (-5.39%) Land $35,907 Building $320,449	$356,356 (-3.95%) Land $35,907 Building $320,449
2024	$5,076.00 (+14.12%)
2023	$4,448.00 (-13.23%) Homeowner's exemption	$371,000 Land $45,463 Building $325,537	$371,000 Land $45,463 Building $325,537
2022	$5,126.00

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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