6128 Panola Pass, Schertz (Cibolo), TX 78108 Property Records

Guadalupe County property record for 6128 Panola Pass, Schertz, TX 78108

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,372 sqft · built 2020
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$336,300 (Jan 2021)
Tax Bill	$7,130 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1G14431B0100800000`

Property Details

APN / Parcel Number

Primary APN	`1G14431B0100800000`
Alternative APNs	`000000165784` `000000252074` `165784`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,372 sqft Living Area
Gross Area	2,924 sqft
1st Floor Area	1,248 sqft
2nd Floor Area	11,245 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6128 PANOLA PASS
City	SCHERTZ
State	TX
Zip	78108-0019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMESTEAD 1-B BLOCK 1 LOT 8 .19 AC
Legal Subdivision	HOMESTEAD 1-B
Legal Tract	8
Legal Block	1
Legal Lot Number	8
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1014
Census Tract	210614

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	6128 PANOLA PASS, SCHERTZ, TX 78108-0019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Feb 7, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 7, 2022	Warranty Deed, Transfer · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 4, 2021	Grant Deed, Subdivision Related Transfer · FHA Mortgage SUMMIT FNDG
Jul 17, 2019	Grant Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on File
Deed Sale	Jan 4, 2021 · Amount on File
Prior Sale	Jan 4, 2021 · Amount on File
Deed Document Number	202199000430
Prior Transfer Date	Dec 29, 2020
Prior Transfer Doc	0099000430
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Recording Date	Aug 28, 2026
Property Address	6128 PANOLA PASS, SCHERTZ, TX 78108-0019
Document Number	0000023478
Instrument Date	Aug 3, 2026
Instrument	202623478
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6128 PANOLA PASS, SCHERTZ, TX 78108-0019

Mortgage

Document Number	0000023478,
Date	Aug 28, 2026
Instrument	202623478

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	TX
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6128 PANOLA PASS, SCHERTZ, TX 78108-0019

Mortgage

Document Number	0099002781
Date	Feb 7, 2024
Instrument	202499002781

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	323 Months
Due	Jan 1, 2051

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jun 7, 2022
Property Address	6128 PANOLA PASS, SCHERTZ, TX 78108-0019
Document Number	0099017912
Map Reference	VOL 4 PG 333&334
Instrument Date	Jun 3, 2022
Instrument	202299017912
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 312573, NEW BRAUNFELS, TX 78131-2573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 PERSIMMON HL, BULVERDE, TX 78163-5009

Mortgage

Document Number	0099018226
Date	Jun 7, 2022
Instrument	202299018226

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Jan 1, 2051

January 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jan 4, 2021
Property Address	6128 PANOLA PASS, SCHERTZ, TX 78108-0019
Document Number	0000000430
Instrument Date	Dec 29, 2020
Instrument	430
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 21, 2021
Title Company	PGP TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6128 PANOLA PASS SCHERTZ TX 781080019, SCHERTZ, TX 78108-0019

Mortgage

Document Number	431
Date	Jan 4, 2021
Instrument	431

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jul 17, 2019
Property Address	6128 PANOLA PASS, SCHERTZ, TX 78108-0019
Document Number	0000015912
Instrument Date	Jul 12, 2019
Instrument	15912
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1718 DRY CREEK WAY #120 SAN ANTONIO TX 782591837, 120, SAN ANTONIO, TX 78259-1837

Tax Assessment & Valuation

Source: Guadalupe County assessment roll, as of August 12, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Guadalupe County
Municipality	Schertz City
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		$439,004 (-2.67%) Land $67,792 Building $371,212	$439,004 (-2.67%) Land $67,792 Building $371,212
2025	$7,130.00 (+2.62%) Homeowner's exemption	$451,070 (-5.58%) Land $53,455 Building $397,615	$451,070 (-5.58%) Land $53,455 Building $397,615
2024	$6,948.00 (-7.11%)
2023	$7,480.00 (-26.44%)	$477,702 Land $82,656 Building $395,046	$477,702 Land $82,656 Building $395,046
2022	$10,168.00

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	2 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	Moderate above 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 SCHERTZ serves 41,948 people · EPA ID TX0940003
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 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 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Guadalupe Valley Electric Cooperative.

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