9 Highlands Cir, Bulverde, TX 78163 Property Records

Comal County property record for 9 Highlands Cir, Bulverde, TX 78163

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,542 sqft · built 2005
Lot Size	1.88 acres (81,893 sqft)
Owner	2 Individual Names on File
Last Sale	$562,500 (Dec 2021)
Tax Bill	$8,476 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-0263-0029-00`

Property Details

APN / Parcel Number

Primary APN	`22-0263-0029-00`
Alternative APN	`31321`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,542 sqft Living Area
Gross Area	3,768 sqft
1st Floor Area	2,542 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Roof Type	Flat
Roof Material	Concrete
Lot Area	81,893 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1 sqft
Porch	Covered Porch
Porch Area	829 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	9 HIGHLANDS CIR
City	BULVERDE
State	TX
Zip	78163-3135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLANDS (THE), LOT 29
Legal Subdivision	HIGHLANDS (THE)
Legal Block	1
Legal Lot Number	29
Jurisdiction	COMAL TX
Township / Civil Division	CANYON LAKE
Census Block Group	1
Census Block	1014
Census Tract	310703

Owner

9 Highlands Cir is owned and occupied by two individuals who bought it in December 2021.

Source: Comal County records, as of September 14, 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	2 Individual Names on File
Mailing Address	9 HIGHLANDS CIR, BULVERDE, TX 78163-3135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Nov 21, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 3, 2021	Vendor's Lien, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on File
Deed Sale	Dec 3, 2021 · Amount on File
Deed Document Number	202162040
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Recording Date	May 27, 2026
Property Address	9 HIGHLANDS CIR, BULVERDE, TX 78163-3135
Document Number	0000015676
Instrument Date	May 18, 2026
Instrument	202615676
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 HIGHLANDS CIR, BULVERDE, TX 78163-3135

Mortgage

Document Number	0000015676,
Date	May 27, 2026
Instrument	202615676

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate	5.65%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	9 HIGHLANDS CIR, BULVERDE, TX 78163-3135
Transaction Type	Mortgage
Record Updated	Nov 28, 2022
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 HIGHLANDS CIR, BULVERDE, TX 78163-3135

Mortgage

Document Number	0006049323
Date	Nov 21, 2022
Instrument	202206049323

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Oct 1, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COMAL TX
Recording Date	Dec 3, 2021
Property Address	9 HIGHLANDS CIR, BULVERDE, TX 78163-3135
Document Number	0006062040
Map Reference	VOL 10 PG 365
Instrument Date	Dec 3, 2021
Instrument	202106062040
Transaction Type	Transfer
Record Updated	Dec 16, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 HIGHLANDS CIR, BULVERDE, TX 78163-3135

Mortgage

Document Number	0006062041
Date	Dec 3, 2021
Instrument	202106062041

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 9 Highlands Cir was $8,476 with exemptions applied, down 0.5% from the year before.

Source: Comal County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Comal County
Municipality	Bulverde City
Unified School District	Comal Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$651,860 (-1.05%) Land $175,890 Building $475,970	$651,860 (-1.05%) Land $175,890 Building $475,970
2025	$8,476.00 (-0.49%) Homeowner's exemption Veteran's exemption	$658,770 Land $154,790 Building $503,980	$658,770 Land $154,790 Building $503,980
2024	$8,518.00
2023		$696,860 Land $154,790 Building $542,070	$696,860 Land $154,790 Building $542,070
2022	$8,923.00

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

Flood

FEMA maps place 9 Highlands Cir in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective October 5, 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 File median of 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	11 (1994–2015)
Claims Outside the SFHA	7 of 11
Most Recent Claim	Oct 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Oct 2015 · 5 claims 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

Wildfire risk around 9 Highlands Cir is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.06% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GVTC Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Spectrum.

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