Guadalupe County property record for 620 Saddle Forest, Cibolo, TX 78108 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,827 sqft · built 2019 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $257,700 (Jun 2020) |
| Tax Bill | $4,572 (2025) |
| Deeds & Mortgages | Jun 2020 Transfer Jun 2020 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900602201000000 |
| Primary APN | 1G3900602201000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,827 sqft Living Area |
| Gross Area | 2,486 sqft |
| 1st Floor Area | 1,827 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 404 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 75 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 620 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 22 LOT 10 0.16 AC |
| Legal Subdivision | SADDLE CREEK RANCH #6 |
| Legal Tract | 10 |
| Legal Block | 22 |
| Legal Lot Number | 10 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 210612 |
Source: Guadalupe County records · APN 1G3900602201000000
Assessment roll updated August 12, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 620 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2020 | Correction Deed FIRST AMERICAN TITLE |
| Jun 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MTG |
| Jun 01, 2020 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage AMERICAN PACIFIC MTG |
| Jun 26, 2019 | Loan Modification, Mortgage FIRST AMERICAN TITLE |
| Jun 28, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Feb 06, 2019 | Trustee's Deed, Transfer · Line of Credit OTHER INSTITUTIONAL LENDERS |
| Feb 04, 2019 | Grant Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 10, 2020 · Amount on Record |
| Deed Sale | Jun 10, 2020 · Amount on Record |
| Prior Sale | Jun 01, 2020 · Amount on Record |
| Deed Document Number | 202014296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jun 10, 2020 |
| Property Address | 620 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000014296 |
| Instrument Date | Jun 10, 2020 |
| Instrument | 14296 |
| Record Updated | Jul 17, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 620 SADDLE FRST CIBOLO TX 781083695, CIBOLO, TX 78108-3695 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 620 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000014297 |
| Instrument Date | Jun 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 620 SADDLE FRST CIBOLO TX 781083695, CIBOLO, TX 78108-3695 |
| Document Number | 0000014297 |
|---|---|
| Date | Jun 10, 2020 |
| Instrument | 14297 |
| Name | AMERICAN PACIFIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 09, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Jun 01, 2020 |
| Property Address | 620 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000013151 |
| Instrument Date | May 29, 2020 |
| Instrument | 13151 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 620 SADDLE FRST CIBOLO TX 781083695, CIBOLO, TX 78108-3695 |
| Document Number | 13152 |
|---|---|
| Date | Jun 01, 2020 |
| Instrument | 13152 |
| Name | AMERICAN PACIFIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 620 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000014988 |
| Instrument Date | Jun 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 06, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| 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 | Jun 28, 2019 |
| Property Address | 620 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000014286 |
| Instrument Date | Jun 26, 2019 |
| Instrument | 14286 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7910 GATEWAY BLVD E #112 EL PASO TX 799151816, 112, EL PASO, TX 79915-1816 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Feb 06, 2019 |
| Property Address | 620 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000002639 |
| Instrument Date | Jan 25, 2019 |
| Instrument | 2639 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 8981 CASTNER DR #E EL PASO TX 799071833, E, EL PASO, TX 79907-1833 |
| Investor | Possibly a Property Investor |
| Document Number | 2465 |
|---|---|
| Date | Feb 06, 2019 |
| Instrument | 2465 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | 8981 CASTNER DR # E, EL PASO, TX 79907-1833 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Feb 05, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Feb 04, 2019 |
| Property Address | 620 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000002463 |
| Instrument Date | Jan 25, 2019 |
| Instrument | 2463 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 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 records · Assessment roll updated August 12, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Cibolo City |
| County | Guadalupe County |
| Unified School District | Schertz-Cibolo-Universal City Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $317,684 (+0.53%) Land $45,339 Building $272,345 | $317,684 (+0.53%) Land $45,339 Building $272,345 | |
| 2025 | $4,572.00 (-0.31%) Homeowner's exemption | $316,000 (-15.41%) Land $43,849 Building $272,151 | $316,000 (-15.41%) Land $43,849 Building $272,151 |
| 2024 | $4,586.00 (-3.74%) | ||
| 2023 | $4,764.00 (-26.17%) | $373,569 (+24.57%) Land $57,981 Building $315,588 | $373,569 (+24.57%) Land $57,981 Building $315,588 |
| 2022 | $6,453.00 | $299,883 Land $43,545 Building $256,338 | $299,883 Land $43,545 Building $256,338 |
Source: FEMA National Flood Hazard Layer, Guadalupe County (48187C), updated April 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 481872106121, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 16 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 in force |
| Wildfire Risk | Moderate above 40% of the US · above 14% of Texas |
|---|---|
| Wildfire Likelihood | About 1 in 2,128 per year |
| Exposure | Indirect within ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 791 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
May also be available at this address: Guadalupe Valley Electric Cooperative, Verizon, Valley Telephone Cooperative, Inc. (TX), Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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