Guadalupe County property record for 624 Saddle Forest, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 2,298 sqft · built 2018 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,320 (Aug 2024) |
| Tax Bill | $5,132 (2025) |
| Deeds & Mortgages | Aug 2024 Mortgage Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3900602200900000 |
| Primary APN | 1G3900602200900000 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,298 sqft Living Area |
| Gross Area | 2,889 sqft |
| 1st Floor Area | 2,298 sqft |
| Study | Study |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 282 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 624 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 9 .16 AC |
| Legal Subdivision | SADDLE CREEK RANCH #6 |
| Legal Tract | 9 |
| Legal Block | 22 |
| Legal Lot Number | 9 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 210612 |
624 Saddle Forest is owned and occupied by an individual who bought it in August 2024.
Source: Guadalupe County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 624 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 2, 2024 | Vendor's Lien, Transfer · FHA Mortgage GARDNER FINANCIAL SERVICES LTD |
| Dec 28, 2018 | Warranty Deed, Subdivision Related Transfer FAIRWAY INDEPENDENT MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2024 · Amount on File |
| Deed Sale | Aug 2, 2024 · Amount on File |
| Prior Sale | Dec 28, 2018 · Amount on File |
| Deed Document Number | 202418235 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Aug 2, 2024 |
| Property Address | TX |
| Document Number | 0099018235 |
| Map Reference | VOL 8 PG 644-645 |
| Instrument Date | Aug 1, 2024 |
| Instrument | 202499018235 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Title Company | SECURITY SERVICES TITLE COMPANY, SECURITY SERVICE TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 624 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0099018236 |
|---|---|
| Date | Aug 2, 2024 |
| Instrument | 202499018236 |
| Name | GARDNER FINANCIAL SERVICES LTD |
|---|---|
| Type | Funding / Finance Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Dec 28, 2018 |
| Property Address | 624 SADDLE FRST, CIBOLO, TX 78108-3695 |
| Document Number | 0000029060 |
| Instrument Date | Dec 26, 2018 |
| Instrument | 29060 |
| 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 | Husband and Wife |
| Address | 624 SADDLE FRST CIBOLO TX 781083695, CIBOLO, TX 78108-3695 |
| Document Number | 29061 |
|---|---|
| Date | Dec 28, 2018 |
| Instrument | 29061 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 27, 2048 |
The 2025 property tax bill for 624 Saddle Forest was $5,132 with a homeowner's exemption, down 19.1% from the year before.
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 | $359,840 (+4.3%) Land $45,339 Building $314,501 | $359,840 (+4.3%) Land $45,339 Building $314,501 | |
| 2025 | $5,132.00 (-19.1%) Homeowner's exemption | $345,000 Land $43,849 Building $301,151 | $345,000 Land $43,849 Building $301,151 |
| 2024 | $6,344.00 (+9.27%) | ||
| 2023 | $5,806.00 (-10.69%) Homeowner's exemption | $436,294 Land $57,981 Building $378,313 | $436,294 Land $57,981 Building $378,313 |
| 2022 | $6,501.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 624 Saddle Forest in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 624 Saddle Forest is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
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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