634 Saddle House, Cibolo, TX, 78108
About This Home
VA ASSUMABLE LOAN!! Welcome to your stunning one-story retreat in Saddle Creek Ranch-perfectly positioned on a quiet cul-de-sac and backing to a serene greenbelt with direct backyard access. This beautifully maintained 3bedroom, 2bath home with a dedicated study offers 1,958 sq ft of modern comfort and effortless style. Built in 2019, it features an open concept design ideal for both everyday living and entertaining. Step inside and discover a kitchen that truly anchors the home. With perfectly coordinated cabinetry and countertops, this space blends sophistication with functionality-whether you're hosting a dinner party or enjoying a relaxed morning breakfast. The spacious primary suite provides a peaceful escape, complete with a luxurious ensuite bath. Two additional bedrooms and a full secondary bath offer plenty of room for family, guests, or flexible living. Outside, the charm continues. The timeless brick and stucco exterior, 2car garage, and private greenbelt access create the perfect blend of curb appeal and convenience. This home has it all-location, layout, and lifestyle. Schedule your showing today and experience the best of Saddle Creek Ranch living. Randolph AFB, Ft. Sam, and Lackland in good driving distance.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Pre-Owned
- Year built: 2019
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Brick,Stucco
Other
- Builder name: Bella Vista
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Self Cleaning Oven,Microwave,Refrigerator,Disposal,Dishwasher
- Laundry features: Washer Hookup,Dryer Connection
Bedroom2
- Area: 132
Bedroom3
- Area: 121
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- One Living Area,Liv/Din Combo,Eat-in Kitchen,Kitchen Island,Pantry,Study/Library,Utility Room Inside,1st Floor Lvl/No Steps,Open Floorplan,Walk-In Closet(s),Master Downstairs,Ceiling Fan(s)
- Flooring: Carpet,Ceramic Tile
- Fireplace features: Not Applicable
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total interior livable area: 1,958 sqft
Kitchen
- Area: 144
Living Room
- Area: 336
Master Bathroom
- Features: Tub/Shower Separate
- Area: 255
Master Bedroom
- Features: Walk-In Closet(s),Ceiling Fan(s),Full Bath
- Area: 255
Office
- Area: 130
Property
Details
- Parcel number: 1G3900602100700000
Features
- Levels: One
- Stories: 1
- Pool features: None,Community
- Patio & porch: Patio,Covered
- Fencing: Privacy
Lot
- Lot size: 6,969 sqft
- Features: Cul-De-Sac,Greenbelt,Curbs,Sidewalks
Parking
- Total spaces: 2
- Parking features: Two Car Garage
- 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 | $1,643 | $19,716 |
| Home Insurance * | $178 | $2,136 |
| Property Taxes | $90 | $1,080 |
| Electricity | $238 | $2,859 |
| Total | $2,149 | $25,788 |
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 |
|---|---|---|
| 2026-07-17 | Price change | $325,000 |
| 2026-06-26 | Listed for sale | $327,500 |
| 2024-05-03 | Sold | -- |
| 2024-03-30 | Pending sale | $320,000 |
| 2024-03-23 | Contingent | $320,000 |
| 2024-02-28 | Listed for sale | $320,000 |
| 2018-03-17 | Sold | -- |
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