990 River Way, Spring Branch, TX 78070 Property Records

Comal County property record for 990 River Way, Spring Branch, TX 78070

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,833 sqft · built 2018
Lot Size	1.08 acres (47,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Nov 2017)
Tax Bill	$9,414 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Nov 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45-0712-0019-00`

Property Details

APN / Parcel Number

Primary APN	`45-0712-0019-00`
Alternative APN	`49784`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,833 sqft Living Area
Gross Area	5,724 sqft
1st Floor Area	3,833 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Metal
Lot Area	47,480 sqft
View / Lot	Golf Course
Garage Type	Attached
Garage Area	1,307 sqft
Parking Spaces	5 Parking Spaces
Pool Area	1 sqft
Porch	Covered Porch
Porch Area	689 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	990 RIVER WAY
City	SPRING BRANCH
State	TX
Zip	78070-5967
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER CROSSING, LOT 19
Legal Subdivision	RIVER CROSSING
Legal Block	3
Legal Lot Number	19
Jurisdiction	COMAL TX
Township / Civil Division	CANYON LAKE
Census Block Group	3
Census Block	3009
Census Tract	310703

Owner

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 Record
Mailing Address	990 RIVER WAY, SPRING BRANCH, TX 78070-5967
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2018	Deed of Trust, Mortgage · ARM SYNERGY FCU
Nov 28, 2018	Loan Modification, Mortgage LONE STAR CAP BK
Nov 30, 2017	Trustee's Deed, Construction Loan · Construction Mortgage LONE STAR CAP BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2017 · Amount on Record
Deed Sale	Nov 30, 2017 · Amount on Record
Prior Sale	May 13, 2015
Deed Document Number	201751924
Prior Transfer Date	Nov 28, 2017
Prior Transfer Doc	0000051924
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMAL TX
Property Address	990 RIVER WAY, SPRING BRANCH, TX 78070-5967
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INDEPENDENCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006049207
Date	Dec 31, 2018
Instrument	201806049207

Lender

Name	SYNERGY FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78249

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.25%

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COMAL TX
Property Address	990 RIVER WAY, SPRING BRANCH, TX 78070-5967
Document Number	0006003692
Instrument Date	Nov 28, 2018
Transaction Type	Mortgage
Record Updated	Feb 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	990 RIVER WAY SPRING BRANCH TX 78070, SPRING BRANCH, TX 78070

Mortgage

Document Number	0006003692
Date	Feb 4, 2019
Instrument	6003692

Lender

Name	LONE STAR CAP BK
Type	Bank
Address	SAN ANTONIO, TX 78232

Agreement

Amount	Amount Recorded

November 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	COMAL TX
Recording Date	Nov 30, 2017
Property Address	990 RIVER WAY, SPRING BRANCH, TX 78070-5967
Instrument Date	Nov 28, 2017
Instrument	6051926
Transaction Type	Construction Loan
Record Updated	Jan 3, 2018
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24245 WILDERNESS OAK #3006 SAN ANTONIO TX 782587860, 3006, SAN ANTONIO, TX 78258-7860

Mortgage

Document Number	0006051926
Date	Nov 30, 2017
Instrument	6051926

Lender

Name	LONE STAR CAP BK
Type	Bank
Address	SAN ANTONIO, TX 78232

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$985,293 (-13.03%) Land $164,590 Building $820,703	$985,293 (-21.84%) Land $164,590 Building $820,703
2025	$9,414.00 (-7.84%) Homeowner's exemption Senior Citizen's exemption	$1,132,959 (+21%) Land $164,590 Building $1,096,100	$1,260,690 (+34.64%) Land $164,590 Building $1,096,100
2024	$10,215.00 (+1.26%)
2023		$936,330 Land $164,590 Building $771,740	$936,330 Land $164,590 Building $771,740
2022	$10,088.00

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

Flood

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 Record median of 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	4 (2013–2015)
Claims Outside the SFHA	2 of 4
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 · 2 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

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

Wildfire Risk	Moderate above 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	CLWSC CANYON LAKE SHORES private · serves 44,196 people · EPA ID TX0460019
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Turbidity resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GVTC Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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