Guadalupe County property record for 609 Saddle Forest, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,561 sqft · built 2018 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $473,812 (May 2023) |
| Tax Bill | $5,566 (2025) |
| Deeds & Mortgages | Aug 2023 Transfer May 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900602102200000 |
| Primary APN | 1G3900602102200000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,561 sqft Living Area |
| Gross Area | 3,059 sqft |
| 1st Floor Area | 1,060 sqft |
| 2nd Floor Area | 1,501 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 143 sqft |
| Deck Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 609 SADDLE FRST |
|---|---|
| City | CIBOLO |
| State | TX |
| Zip | 78108-3695 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK RANCH #6 BLOCK 21 LOT 22 .19 AC |
| Legal Subdivision | SADDLE CREEK RANCH #6 |
| Legal Tract | 22 |
| Legal Block | 21 |
| Legal Lot Number | 22 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 210612 |
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 | 609 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2023 | Intrafamily Transfer, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| May 19, 2023 | Vendor's Lien, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 31, 2019 | Correction Deed, Transfer FIRST AMERICAN TITLE |
| Aug 2, 2019 | Grant Deed, Subdivision Related Transfer · VA Mortgage USAA |
| Feb 4, 2019 | Loan Modification, Mortgage · Line of Credit TEXAS CAP BK |
| Feb 4, 2019 | Grant Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2023 · Amount on Record |
| Deed Sale | May 19, 2023 · Amount on Record |
| Prior Sale | Aug 2, 2019 · Amount on Record |
| Deed Document Number | 202312551 |
| Last Transfer Date | Jul 6, 2023 |
| Transfer Doc | 0000019553 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Aug 4, 2023 |
| Property Address | TX |
| Document Number | 0099019553 |
| Map Reference | VOL 8 PG 644-645 |
| Instrument Date | Jul 6, 2023 |
| Instrument | 202399019553 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 609 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Name | Verified Name |
|---|---|
| Address | 609 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | May 19, 2023 |
| Property Address | TX |
| Document Number | 0099012551 |
| Map Reference | VOL 8 PG 644&645 |
| Instrument Date | May 19, 2023 |
| Instrument | 202399012551 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 609 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0099012552 |
|---|---|
| Date | May 19, 2023 |
| Instrument | 202399012552 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Oct 31, 2019 |
| Property Address | 609 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000024983 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 24983 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Aug 2, 2019 |
| Property Address | 609 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000017388 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 17388 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 6, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 609 SADDLE FRST CIBOLO TX 781083695, CIBOLO, TX 78108-3695 |
| Document Number | 17389 |
|---|---|
| Date | Aug 2, 2019 |
| Instrument | 17389 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Feb 4, 2019 |
| Property Address | 609 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Instrument Date | Jan 25, 2019 |
| Instrument | 2464 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915 |
| Document Number | 0000002464 |
|---|---|
| Date | Feb 4, 2019 |
| Instrument | 2464 |
| Name | TEXAS CAP BK |
|---|---|
| Type | Bank |
| Address | 2350 LAKESIDE BLVD # 800, RICHARDSON, TX 75082-4340 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Feb 4, 2019 |
| Property Address | 609 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000002463 |
| Instrument Date | Jan 25, 2019 |
| Instrument | 2463 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7910 GATEWAY E #102 EL PASO TX 79915, 102, EL PASO, TX 79915 |
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 | $366,111 (-0.38%) Land $49,404 Building $316,707 | $366,111 (-0.38%) Land $49,404 Building $316,707 | |
| 2025 | $5,566.00 (-4.79%) Homeowner's exemption | $367,518 (-4.11%) Land $49,235 Building $318,283 | $367,518 (-4.11%) Land $49,235 Building $318,283 |
| 2024 | $5,846.00 (-21.05%) | ||
| 2023 | $7,405.00 (+4.34%) | $383,283 (+16.22%) Land $64,288 Building $318,995 | $383,283 (+16.22%) Land $64,288 Building $318,995 |
| 2022 | $7,097.00 | $329,787 Land $48,722 Building $281,065 | $329,787 Land $48,722 Building $281,065 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 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 | Moderate above 40% of the US · lower than 85% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
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 | GREEN VALLEY SUD serves 52,497 people · EPA ID TX0940020 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 791 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Guadalupe Valley Electric Cooperative, Hotwire Communications, Verizon, VTX Communications.
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