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Single Family ResidenceResidential
$481,150$141 / 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 94How 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 $451,687 on Jun 7, 2023

414 SADDLE HVN

CIBOLO, TX 78108
0
Baths
3,421 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$481K
$450K low$512K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$451,687 · Jun 7, 2023
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.$141,535
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$113,228
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.71%
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.$339,615
KBHS HOME LOANS LLC · recorded Jun 7, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,276 (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.$487,708 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$54,363
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$433,345
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$456,047
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$487,708

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.59
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
63
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
100
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
87
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.0.23
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
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.Porch · 173 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.

E
Cibolo Valley Elementary SchoolC+
Elementary · Grades PK–4 · 1.1 mi
H
Steele High SchoolB+
High · Grades 9–12 · 1.4 mi
M
Dobie Junior High SchoolB
Middle · Grades 7–8 · 3.0 mi

District: Schertz-Cibolo-Universal City Independent School District

Neighborhood · ZIP 78108These 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.41
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.31

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.3%
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.49,427
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,606 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$109,605
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,887
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.35 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

414 Saddle Hvn 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 more than 92% of homes in Cibolo 78108
  • Costs less per square foot than 72% of homes in Guadalupe County
  • Bigger than 96% of homes in Guadalupe County
  • Has a bigger lot than 84% of homes in Cibolo 78108
  • Newer than 93% of homes in Cibolo 78108

What homes are worth in Cibolo 78108

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

This home
$195K$568K

This home is worth more than 92% of homes in Cibolo 78108.

How it measures up in Cibolo 78108

The dot is this home. The mark in the middle is the typical home in Cibolo 78108.

Estimated value$481,150
CheaperTypical $345,308Pricier

Pricier than 92% of homes nearby

Price per ft²$141
CheaperTypical $146Pricier

Pricier than 42% of homes nearby

Living area3,421 ft²
SmallerTypical 2,401 ft²Bigger

Bigger than 95% of homes nearby

Lot size0.23 ac
SmallerTypical 0.17 acBigger

Bigger than 84% of homes nearby

Year built2022
OlderTypical 2009Newer

Newer than 93% of homes nearby

How 414 Saddle Hvn ranks against every home in each area.
MeasureThis homeCibolo 78108Guadalupe County
Estimated valuepricier than$481,15092% of homes91% of homes
Price per ft²pricier than$14142% of homes28% of homes
Living areabigger than3,421 ft²95% of homes96% of homes
Lot sizebigger than0.23 ac84% of homes65% of homes
Year builtnewer than202293% of homes89% of homes

About 414 Saddle Hvn

How much is 414 Saddle Hvn, Cibolo, TX worth?

The TopHap Estimate for 414 Saddle Hvn, Cibolo, TX is $481,150 as of Jul 14, 2026. The likely range is $450,352 to $511,948. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 414 Saddle Hvn, Cibolo, TX last sell?

414 Saddle Hvn, Cibolo, TX last sold on Jun 7, 2023 for $451,687, according to the county's recorded deed.

How big is 414 Saddle Hvn, Cibolo, TX?

414 Saddle Hvn, Cibolo, TX has 3,421 square feet of living space and a 0.23-acre lot.

When was 414 Saddle Hvn, Cibolo, TX built?

414 Saddle Hvn, Cibolo, TX was built in 2022, making it 4 years old. The building has 2 stories.

What schools serve 414 Saddle Hvn, Cibolo, TX?

414 Saddle Hvn, Cibolo, TX is assigned to Cibolo Valley Elementary School (elementary), rated C+; Steele High School (high), rated B+; Dobie 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 414 Saddle Hvn, Cibolo, TX compare to other homes in Cibolo 78108?

Among the 16,034 homes in Cibolo 78108, it is worth more than 92% of them ($481,150 against a typical $345,308), its price per square foot is higher than 42% of them ($141 against a typical $146), it is bigger than 95% of them (3,421 ft² against a typical 2,401 ft²), its lot is bigger than 84% of them (0.23 ac against a typical 0.17 ac) and it is newer than 93% of them (2022 against a typical 2009). Measured against all of Guadalupe County, it is worth more than 91% 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 414 Saddle Hvn, Cibolo, TX?

The 2025 property tax bill for 414 Saddle Hvn, Cibolo, TX was $7,276. The county assessed it at $487,708.

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