125 Saddle Breeze

Cibolo, TX 78108

$305,000

3 beds
2 baths
1,650 sq ft
0.16 acres
Built 2022

Listed by Central Metro Realty · MLS #1948015

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125 Saddle Breeze, Cibolo, TX 78108 · MLS #1948015

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A FEW THINGS TO NOTICE

What stands out.

Year built

Built in 2022.

Property size

0.16 acres listed.

Highlights from the listing description and property details. Confirm features with the listing agent.

THE PROPERTY

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Lower interest rate, no down payment and money toward closing for qualified buyers. Save money not buying appliances, sprinkler, water heater, water softener and more, are all included. Move-in ready home just minutes from Randolph Air Force Base. Lower interest rate available with selected lender for 125 Saddle Breeze offers the perfect blend of convenience, comfort, and modern living in the heart of Cibolo. Unlike waiting on new construction, this home already includes valuable upgrades buyers typically pay extra for - including a refrigerator, water softener, full gutters, blinds throughout, security system, and more. Inside, the open-concept layout centers around a large granite kitchen island that seamlessly connects the kitchen, dining, and living areas - ideal for entertaining or everyday living. The private owner's suite features a spa-style super shower, walk-in closets, and a versatile flex space perfect for a nursery, home office, gym, media room, or private retreat. Step outside to enjoy a private backyard designed for relaxing and entertaining, while the community offers resort-style amenities including walking trails, ponds, fishing areas, workout stations, a pool, park, and clubhouse. Conveniently located near shopping, dining, top-rated SCUCISD schools, and major commuter routes to San Antonio, this turnkey home is ready for its next owner. List of Lenders offering a lower interest rate available.

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THE NEIGHBORHOOD

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125 Saddle Breeze, Cibolo, TX 78108

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THE DETAILS

The details, all in one place.

Property type: Residential
Category: Residential
Year built: 2022
Full baths: 2
Half baths: 0
Cooling: One Central
Heating: Central
Flooring: Carpeting, Ceramic Tile, Vinyl
Exterior: Brick, Siding
Accessibility: Ext Door Opening 36"+, 36 inch or more wide halls, Entry Slope less than 1 foot, Low Bathroom Mirrors, No Carpet, Lowered Light Switches, No Steps Down, First Floor Bath, First Floor Bedroom, Wheelchair Accessible
Pool features: None
Subdivision: SADDLE CREEK RANCH
Parcel: 1G3900702500700000
HOA: SPECTRUM ASSOCIATION MANAGEMENT
HOA amenities: Pool, Clubhouse, Park/Playground, Jogging Trails, Bike Trails, BBQ/Grill, Lake/River Park, Other - See Remarks
Elementary school: CIBOLO VALLEY
Middle school: Dobie J. Frank
High school: Byron Steele High
Annual property tax: $6,168.84
HOA fee: $131.25

Features and school information are supplied by the listing source. Confirm measurements, school assignments, HOA terms and rental restrictions before making a decision.

OWNERSHIP, WITH A PLAN

Investor outlook.

Explore this property’s rental potential with an all-cash purchase. Monthly rent starts at 5% of the purchase price per year, divided by 12. Adjust it and the other assumptions to explore your scenario.

These are planning assumptions, not a rental appraisal or a loan quote. The starting rent is a price-based estimate; a local leasing professional can help confirm market rent.

Investor outlook assumes an all-cash purchase. No mortgage payment is deducted.

Estimated monthly cash flow · cash purchase$407.05

Estimated monthly rent$1,270.83

Cap rate1.85%

Annual operating income: $5,647.13

HOA: The listing source reports a $131.25 HOA fee, but not a usable payment frequency. HOA costs are not included in this estimate. Choose a monthly amount under Adjust assumptions.

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Purchase price

Rental income & operating costs

Estimated monthly rent

Purchase price × 5% ÷ 12. Updates with purchase price until you enter a custom rent.

Vacancy allowance (%) Management fee (%) Maintenance reserve (%) Capital reserve (%)

Annual property tax

Annual insurance

Annual insurance starts at purchase price × 0.25%, rounded to the nearest available amount. Updates with purchase price until you choose another amount.A planning estimate, not an insurance quote. Adjust it for your property and coverage.

Monthly HOA

Other monthly costs

Percentages are editable examples, not ERA fee quotes. Management is applied to rent after vacancy; maintenance and capital reserves use scheduled rent. Add owner-paid utilities, mortgage insurance and other recurring expenses under other costs.

How this scenario is calculated

Annual operating income is rent after vacancy, management, maintenance, taxes, insurance, HOA and other operating costs, before financing and capital reserves. Cap rate divides annual operating income by purchase price. Estimated monthly cash flow assumes an all-cash purchase: rent after vacancy, management, maintenance, taxes, insurance, HOA, other operating costs and capital reserves. No mortgage payment is deducted. The mortgage calculator is separate; loan payments would reduce cash flow for a financed purchase. One-time acquisition costs, renovations, income taxes, depreciation and appreciation are excluded.

Mortgage payment calculator

Explore financing separately. These loan settings do not change the all-cash investor outlook.

Mortgage assumptions

Down payment (%) Interest rate (%) Loan term

20% down and 7% interest are illustrative starting values.

Estimated monthly principal & interest—Loan payment only. Excludes property taxes, homeowners/flood insurance, mortgage insurance and HOA dues.

About this payment estimate

Based on a fixed-rate, fully amortizing loan with monthly payments and the price, down payment, interest rate and term you select. The interest rate is an example, not a current rate offer or APR; APR includes certain loan costs. This is an illustration, not a Loan Estimate, approval, offer of credit or commitment to lend.

Your actual payment, rate and eligibility depend on your lender, credit, loan program and property. Closing costs, points, prepaid expenses and lender fees are not included. Taxes and insurance may change, and mortgage insurance may be required, particularly with a down payment below 20%. Ask your lender for a Loan Estimate and a complete monthly payment including applicable taxes, insurance and fees.

Dollar results are rounded to the nearest cent; calculations retain precision until display. A cash purchase has no loan payment but still has ownership costs. Understand your total home payment (CFPB).

ERA PROPERTY MANAGEMENT

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Listing information

MLS #1948015 · San Antonio Board of Realtors

Listing brokerage: Central Metro Realty
Listing agent: Sopfiela Grannum

Listing status: Active. Record updated September 10, 2026. Confirm current availability and price with the listing agent.