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Single Family ResidenceResidential
$230,342$98 / 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
Last sold for $40,600 on Nov 16, 2017

109 CHURCH ST

SCHERTZ, TX 78154
0
Baths
2,340 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.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1914
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$230K
$209K low$252K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$40,600 · Nov 16, 2017
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.$150,342
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$120,274
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.31%
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.$80,000
RANDOLPH BROOKS FCU · recorded Jan 23, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,439 (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.$149,688 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$66,583
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$83,105
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$206,568
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$149,688

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.34 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.1 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.0.33
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
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, Detached
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 · 336 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 1.9 mi
M
Corbett Junior High SchoolB
Middle · Grades 7–8 · 2.3 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

109 Church St 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 88% of homes in Schertz 78154
  • Among the lowest price per square foot in Schertz 78154
  • Bigger than 71% of homes in Guadalupe County
  • Has a bigger lot than 90% of homes in Schertz 78154
  • Among the oldest 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 12% 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$230,342
CheaperTypical $309,945Pricier

Pricier than 12% of homes nearby

Price per ft²$98
CheaperTypical $155Pricier

Cheaper than almost all homes nearby

Living area2,340 ft²
SmallerTypical 2,069 ft²Bigger

Bigger than 62% of homes nearby

Lot size0.33 ac
SmallerTypical 0.18 acBigger

Bigger than 90% of homes nearby

Year built1914
OlderTypical 2003Newer

Older than almost all homes nearby

How 109 Church St ranks against every home in each area.
MeasureThis homeSchertz 78154Guadalupe County
Estimated valuepricier than$230,34212% of homes17% of homes
Price per ft²pricier than$98almost no homesalmost no homes
Living areabigger than2,340 ft²62% of homes71% of homes
Lot sizebigger than0.33 ac90% of homes74% of homes
Year builtnewer than1914almost no homesalmost no homes

About 109 Church St

How much is 109 Church St, Schertz, TX worth?

The TopHap Estimate for 109 Church St, Schertz, TX is $230,342 as of Jul 14, 2026. The likely range is $208,895 to $251,789. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Church St, Schertz, TX last sell?

109 Church St, Schertz, TX last sold on Nov 16, 2017 for $40,600, according to the county's recorded deed.

How big is 109 Church St, Schertz, TX?

109 Church St, Schertz, TX has 2,340 square feet of living space and a 0.33-acre lot.

When was 109 Church St, Schertz, TX built?

109 Church St, Schertz, TX was built in 1914, making it 112 years old. The building has 1 story.

What schools serve 109 Church St, Schertz, TX?

109 Church St, 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 109 Church St, Schertz, TX compare to other homes in Schertz 78154?

Among the 18,274 homes in Schertz 78154, it is worth more than 12% of them ($230,342 against a typical $309,945), its price per square foot is higher than almost none of them ($98 against a typical $155), it is bigger than 62% of them (2,340 ft² against a typical 2,069 ft²), its lot is bigger than 90% of them (0.33 ac against a typical 0.18 ac) and it is newer than almost none of them (1914 against a typical 2003). Measured against all of Guadalupe County, it is worth more than 17% 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 109 Church St, Schertz, TX?

The 2025 property tax bill for 109 Church St, Schertz, TX was $2,439. The county assessed it at $149,688.

More homes on Church St

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Assigned schools

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