609 Saddle Villa, Cibolo, TX, 78108
About This Home
**Huge Buyer Advantage: Eligible buyers can assume the seller's VA loan at a below market interest rate, creating meaningful monthly savings and long-term value.**Stylish 2-story in coveted Saddle Creek Ranch with an open, airy layout and standout design. The first floor features a spacious living area with soaring ceilings, a dedicated dining space, private study, and a luxe primary suite with a walk-in shower, dual vanities, and a generous closet. The kitchen delivers serious appeal with granite counters, a large island, 42" cabinets, stainless appliances, and a walk-in pantry. Upstairs offers three oversized bedrooms and a flexible second living area perfect for play, media, or lounge space.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Pre-Owned
- Year built: 2016
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: 4 Sides Masonry,Stone,Fiber Cement
Other
- Builder name: Bella Vista Homes
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Washer,Dryer,Built-In Oven,Self Cleaning Oven,Microwave,Refrigerator,Disposal,Dishwasher,Plumbed For Ice Maker,Electric Water Heater,Electric Cooktop,Double Oven
- Laundry features: Main Level,Laundry Room,Washer Hookup,Dryer Connection
Bedroom2
- Area: 156
Bedroom3
- Area: 208
Bedroom4
- Area: 120
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Area: 144
Family Room
- Area: 165
Features
- One Living Area,Separate Dining Room,Two Eating Areas,Kitchen Island,Pantry,Study/Library,Game Room,Utility Room Inside,High Ceilings,Open Floorplan,High Speed Internet,Walk-In Closet(s),Master Downstairs,Ceiling Fan(s),Solid Counter Tops
- Flooring: Carpet,Ceramic Tile
- Fireplace features: Not Applicable
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total interior livable area: 2,892 sqft
Kitchen
- Area: 150
Living Room
- Area: 330
Master Bathroom
- Features: Shower Only
- Area: 99
Master Bedroom
- Area: 312
Office
- Area: 121
Property
Details
- Parcel number: 1G3900501903000000
Features
- Levels: Two
- Stories: 2
- Pool features: None,Community
Lot
- Lot size: 6,882 sqft
Parking
- Total spaces: 2
- Parking features: Two Car Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Heat Wave
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Texas Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,921 | $23,052 |
| Home Insurance * | $208 | $2,496 |
| Property Taxes | $427 | $5,124 |
| Electricity | $317 | $3,810 |
| Total | $2,873 | $34,476 |
Income You'd Need if You Spent...
Texas FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-10 | Price change | $380,000 |
| 2026-06-16 | Price change | $419,900 |
| 2026-06-03 | Listed for sale | $429,900 |
| 2022-08-23 | Sold | -- |
| 2022-07-19 | Pending sale | $439,000 |
| 2022-07-13 | Contingent | $439,000 |
| 2022-07-05 | Listed for sale | $439,000 |
| 2017-07-26 | Sold | -- |
| 2017-04-30 | Sold | -- |
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