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Single Family ResidenceResidential
$183,517$150 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

120 VALLEY OAK DR

SCHERTZ, TX 78154
0
Baths
1,223 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1967
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$184K
$167K low$200K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$109,332
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$87,466
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.40%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$74,185
RANDOLPH BROOKS FCU · recorded Oct 28, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,272 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$121,181 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$55,075
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$66,106
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,771
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$121,181

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.19 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyGUADALUPE
Lot (acres)The size of the land the home sits on, from county records.0.24
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 120 ft²Porch · 452 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Clemens High SchoolC
High · Grades 9–12 · 0.9 mi
E
Watts Elementary SchoolC+
Elementary · Grades PK–4 · 1.4 mi
M
Corbett Junior High SchoolB
Middle · Grades 7–8 · 2.1 mi

District: Schertz-Cibolo-Universal City Independent School District

Neighborhood · ZIP 78154These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.46,929
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,407 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$98,962
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$115,029
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

120 Valley Oak Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 96% of homes in Schertz 78154
  • Smaller than 89% of homes in Schertz 78154
  • Has a bigger lot than 78% of homes in Schertz 78154
  • Older than 95% of homes in Schertz 78154

What homes are worth in Schertz 78154

Each bar is how many homes fall in that price range. The marker is this home.

This home
$169K$646K

This home is worth more than 4% of homes in Schertz 78154.

How it measures up in Schertz 78154

The dot is this home. The mark in the middle is the typical home in Schertz 78154.

Estimated value$183,517
CheaperTypical $309,945Pricier

Pricier than 4% of homes nearby

Price per ft²$150
CheaperTypical $155Pricier

Pricier than 42% of homes nearby

Living area1,223 ft²
SmallerTypical 2,069 ft²Bigger

Bigger than 11% of homes nearby

Lot size0.24 ac
SmallerTypical 0.18 acBigger

Bigger than 78% of homes nearby

Year built1967
OlderTypical 2003Newer

Newer than 5% of homes nearby

How 120 Valley Oak Dr ranks against every home in each area.
MeasureThis homeSchertz 78154Guadalupe County
Estimated valuepricier than$183,5174% of homes7% of homes
Price per ft²pricier than$15042% of homes41% of homes
Living areabigger than1,223 ft²11% of homes16% of homes
Lot sizebigger than0.24 ac78% of homes66% of homes
Year builtnewer than19675% of homes7% of homes

About 120 Valley Oak Dr

How much is 120 Valley Oak Dr, Schertz, TX worth?

The TopHap Estimate for 120 Valley Oak Dr, Schertz, TX is $183,517 as of Jul 14, 2026. The likely range is $167,034 to $200,000. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 120 Valley Oak Dr, Schertz, TX last sell?

120 Valley Oak Dr, Schertz, TX last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 120 Valley Oak Dr, Schertz, TX?

120 Valley Oak Dr, Schertz, TX has 1,223 square feet of living space and a 0.24-acre lot.

When was 120 Valley Oak Dr, Schertz, TX built?

120 Valley Oak Dr, Schertz, TX was built in 1967, making it 59 years old. The building has 1 story.

What schools serve 120 Valley Oak Dr, Schertz, TX?

120 Valley Oak Dr, Schertz, TX is assigned to Clemens High School (high), rated C; Watts Elementary School (elementary), rated C+; Corbett Junior High School (middle), rated B. All sit in Schertz-Cibolo-Universal City Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 Valley Oak Dr, Schertz, TX compare to other homes in Schertz 78154?

Among the 18,274 homes in Schertz 78154, it is worth more than 4% of them ($183,517 against a typical $309,945), its price per square foot is higher than 42% of them ($150 against a typical $155), it is bigger than 11% of them (1,223 ft² against a typical 2,069 ft²), its lot is bigger than 78% of them (0.24 ac against a typical 0.18 ac) and it is newer than 5% of them (1967 against a typical 2003). Measured against all of Guadalupe County, it is worth more than 7% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 120 Valley Oak Dr, Schertz, TX?

The 2025 property tax bill for 120 Valley Oak Dr, Schertz, TX was $1,272. The county assessed it at $121,181.

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