649 Silo St, Schertz, TX 78154 Property Records

Guadalupe County property record for 649 Silo St, Schertz, TX 78154

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,491 sqft · built 2007
Lot Size	0.139 acres (6,050 sqft)
Owner	2 Individual Names on File
Last Sale	$294,100 (Jan 2019)
Tax Bill	$4,314 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`1G1664100201900000`

Property Details

APN / Parcel Number

Primary APN	`1G1664100201900000`
Alternative APNs	`000000122844` `000000228478` `122844`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,491 sqft Living Area
Gross Area	2,996 sqft
1st Floor Area	1,339 sqft
2nd Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,050 sqft (0.139 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	45 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	649 SILO ST
City	SCHERTZ
State	TX
Zip	78154-1841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KRAMER FARM UNIT #1 BLOCK 2 LOT 19
Legal Subdivision	KRAMER FARM UNIT #1
Legal Tract	19
Legal Block	2
Legal Lot Number	19
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3014
Census Tract	210706

Owner

649 Silo St is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	649 SILO ST, SCHERTZ, TX 78154-1841
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.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC
Jan 24, 2020	Deed of Trust, Mortgage · VA Mortgage NEW AMERICAN FNDG
Jan 7, 2019	Warranty Deed, Transfer · VA Mortgage INTERLINC MTG
Jun 21, 2018	Trustee's Deed, Transfer · Line of Credit DEUTSCHE BK AG/NY BRANCH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2019 · Amount on File
Deed Sale	Jan 7, 2019 · Amount on File
Prior Sale	Jul 22, 2014 · Amount on File
Deed Document Number	201999000563
Prior Transfer Date	Sep 6, 2012
Prior Transfer Doc	0000017127
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	649 SILO ST, SCHERTZ, TX 78154-1841
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099015166
Date	May 3, 2021
Instrument	202199015166

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Feb 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	649 SILO ST, SCHERTZ, TX 78154-1841
Document Number	0000005884
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	649 SILO ST SCHERTZ TX 781541841, SCHERTZ, TX 78154-1841

Mortgage

Document Number	0000005884
Date	Mar 9, 2020
Instrument	5884

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jan 7, 2019
Property Address	649 SILO ST, SCHERTZ, TX 78154-1841
Document Number	0000000563
Instrument Date	Dec 28, 2018
Instrument	563
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	OS NATIONAL TITLE, OS NAT'L TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	649 SILO ST SCHERTZ TX 781541841, SCHERTZ, TX 78154-1841

Mortgage

Document Number	564
Date	Jan 7, 2019
Instrument	564

Lender

Name	INTERLINC MTG
Type	Mortgage Company
Address	HOUSTON, TX 77064

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2049

June 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jun 21, 2018
Property Address	649 SILO ST, SCHERTZ, TX 78154-1841
Document Number	0000013584
Instrument Date	Jun 7, 2018
Instrument	13584
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

Mortgage

Document Number	13585
Date	Jun 21, 2018
Instrument	13585

Lender

Name	DEUTSCHE BK AG/NY BRANCH
Type	Bank
Address	60 WALL ST # 10TH, NEW YORK, NY 10005-2865

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 649 Silo St was $4,314 with exemptions applied, down 8% from the year before.

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		$295,569 (-5.21%) Land $42,465 Building $253,104	$295,569 (-5.21%) Land $42,465 Building $253,104
2025	$4,314.00 (-8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$311,808 Land $36,987 Building $274,821	$311,808 Land $36,987 Building $274,821
2024	$4,689.00 (+8.39%)
2023	$4,326.00 (-12.92%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$318,950 Land $40,180 Building $278,770	$318,950 Land $40,180 Building $278,770
2022	$4,968.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 649 Silo St in Zone X, an area of moderate flood risk, though there have been 4 flood claims nearby since 1998.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	4 (1998–2015)
Claims Outside the SFHA	4 of 4
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Flooding 10/18/98, Oct 1998 · 3 claims

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

The area around 649 Silo St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 598 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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