Guadalupe County property record for 616 Saddle Cv, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,352 sqft · built 2014 |
| Lot Size | 0.156 acres (6,805 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $455,553 (Aug 2023) |
| Tax Bill | $7,224 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900401401300000 |
| Primary APN | 1G3900401401300000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,352 sqft Living Area |
| Gross Area | 4,138 sqft |
| 1st Floor Area | 1,508 sqft |
| 2nd Floor Area | 1,844 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,805 sqft (0.156 acres) |
| Lot Dimensions | 117 ft deep x 58 ft wide |
| Garage Type | Attached |
| Garage Area | 466 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 416 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 616 SADDLE CV |
|---|---|
| City | CIBOLO |
| State | TX |
| Zip | 78108-3498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE CREEK RANCH #4 BLOCK 14 LOT 13 0.1562 AC |
| Legal Subdivision | SADDLE CREEK RANCH #4 |
| Legal Tract | 13 |
| Legal Block | 14 |
| Legal Lot Number | 13 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1020 |
| 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 | 616 SADDLE CV, CIBOLO, TX 78108-3498 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage GUARDIAN MORTGAGE CO INC |
| Aug 29, 2024 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 29, 2023 | Vendor's Lien, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2023 · Amount on Record |
| Deed Sale | Aug 29, 2023 · Amount on Record |
| Prior Sale | Jul 1, 2014 · Amount on Record |
| Deed Document Number | 202321663 |
| Prior Transfer Date | Jun 27, 2014 |
| Prior Transfer Doc | 0000011188 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | TX |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0099008306 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 202199008306 |
| Name | GUARDIAN MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHARDSON, TX 75083 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 304 Months |
| Due | Jul 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | TX |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 616 SADDLE CV, CIBOLO, TX 78108-3498 |
| Document Number | 0099020545 |
|---|---|
| Date | Aug 29, 2024 |
| Instrument | 202499020545 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Aug 29, 2023 |
| Property Address | TX |
| Document Number | 0099021663 |
| Map Reference | VOL 8 PG 84 |
| Instrument Date | Aug 29, 2023 |
| Instrument | 202399021663 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3141 LITTLE CREEK PATH, SEGUIN, TX 78155-2981 |
| Name | Verified Name |
|---|---|
| Address | 616 SADDLE CV, CIBOLO, TX 78108-3498 |
| Document Number | 0099021664 |
|---|---|
| Date | Aug 29, 2023 |
| Instrument | 202399021664 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
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 | $447,996 (+5.9%) Land $44,723 Building $403,273 | $447,996 (+5.9%) Land $44,723 Building $403,273 | |
| 2025 | $423,050 (-12.94%) Land $43,085 Building $379,965 | $423,050 (-12.94%) Land $43,085 Building $379,965 | |
| 2024 | $7,224.00 (+2.13%) | ||
| 2023 | $7,073.00 (-9.13%) Homeowner's exemption | $485,940 (+24.32%) Land $57,088 Building $428,852 | $485,940 (+24.32%) Land $57,088 Building $428,852 |
| 2022 | $7,784.00 Homeowner's exemption | $390,891 Land $42,822 Building $348,069 | $390,891 Land $42,822 Building $348,069 |
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 |
|---|---|
| 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 | Low lower than 65% of the US · lower than 90% 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.
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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