# 12340 Saddle Up, San Antonio, TX 78254 > **TL;DR:** 4bd/3ba single family, $534,900 ($183/sqft), built 2019, 2,928 sqft. > Fireplace, A/C. Est. $3,356/mo. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $534,900 | | Price/sqft | $183 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 2,928 | | Year Built | 2019 | | Lot Size | 9,104 sqft (0.21 acres) | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 0 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,705 | | Estimated Insurance | $156 | | HOA | $495 | | **Total** | **$3,356** | ## Nearby Schools - **Middle:** FOLKS ## Key Amenities - Fireplace - A/C ## Property Highlights - Built in 2019 - 0.21 acre lot - Fireplace ## Description ### Agent Description This house comes with a REDUCED RATE as low as 5.875 (APR 6.439) as of 08/25/2026 through List & LockTM. This is a seller paid rate-buydown that reduces the buyer's interest rate and monthly payment. Terms apply, see disclosures for more information. Stunning Highland Homes Single-Story with Exceptional Upgrades & Assumable VA Loan with a 2.25 rate! Welcome to this beautifully designed single-story home built by Highland Homes, offering an open and inviting floor plan perfect for both everyday living and entertaining. The heart of the home is the chef-inspired kitchen, featuring a large center island, custom cabinetry, and an upgraded refrigerator - ideal for hosting gatherings or enjoying casual meals with family. A dedicated media room provides the perfect space for movie nights, while the whole-house vacuum system and whole-house stereo system - including patio speakers - add convenience and luxury throughout. Relax and unwind outdoors with a hot tub and custom exterior lighting under the eaves, creating an inviting ambiance for evening entertaining. Additional premium features include a tankless water heater, epoxied garage floor, and a garage shelving and storage system designed to keep everything organized. Best of all, this home offers an assumable VA loan with an incredibly low interest rate, a rare opportunity for qualified buyers to save significantly on their mortgage. This property blends quality craftsmanship, modern upgrades, and thoughtful details - truly move-in ready! MOTIVATED SELLER ## Location - **Address:** 12340 Saddle Up, San Antonio, TX 78254 - **County:** Bexar - **Coordinates:** 29.541514, -98.737294 - **Google Maps:** https://www.google.com/maps?q=29.541514,-98.737294 ## Listing Agent - **Name:** Duncan Elliott - **Brokerage:** Phillips & Associates Realty - **Phone:** (210) 571-0330 - **Broker Phone:** (210) 571-0330 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/12340-Saddle-up-Dr_San-Antonio_TX_78254_M90498-10798?f=listhub&s=SABORTX&m=1913233&c=propsimple) ## Photos ![12340 Saddle Up - Photo 1](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1740104878r.jpg) ![12340 Saddle Up - Photo 2](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f4238987955r.jpg) ![12340 Saddle Up - Photo 3](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1022600082r.jpg) ![12340 Saddle Up - Photo 4](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1698171236r.jpg) ![12340 Saddle Up - Photo 5](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3292963980r.jpg) ![12340 Saddle Up - Photo 6](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3570401614r.jpg) ![12340 Saddle Up - Photo 7](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3041835986r.jpg) ![12340 Saddle Up - Photo 8](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2180009396r.jpg) ![12340 Saddle Up - Photo 9](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f810383835r.jpg) ![12340 Saddle Up - Photo 10](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f52677782r.jpg) ![12340 Saddle Up - Photo 11](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f943484382r.jpg) ![12340 Saddle Up - Photo 12](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2227504101r.jpg) ![12340 Saddle Up - Photo 13](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2748990294r.jpg) ![12340 Saddle Up - Photo 14](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1427291655r.jpg) ![12340 Saddle Up - Photo 15](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f18758568r.jpg) ![12340 Saddle Up - Photo 16](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2107929820r.jpg) ![12340 Saddle Up - Photo 17](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3388665573r.jpg) ![12340 Saddle Up - Photo 18](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1379343491r.jpg) ![12340 Saddle Up - Photo 19](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2683823485r.jpg) ![12340 Saddle Up - Photo 20](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1630906958r.jpg) ![12340 Saddle Up - Photo 21](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1253677462r.jpg) ![12340 Saddle Up - Photo 22](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f229154026r.jpg) ![12340 Saddle Up - Photo 23](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3652355958r.jpg) ![12340 Saddle Up - Photo 24](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f807973464r.jpg) ![12340 Saddle Up - Photo 25](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3171210655r.jpg) ![12340 Saddle Up - Photo 26](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f948764949r.jpg) ![12340 Saddle Up - Photo 27](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1390994463r.jpg) ![12340 Saddle Up - Photo 28](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3971940639r.jpg) ![12340 Saddle Up - Photo 29](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f748114145r.jpg) ![12340 Saddle Up - Photo 30](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f4224604730r.jpg) ![12340 Saddle Up - Photo 31](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1594611612r.jpg) ![12340 Saddle Up - Photo 32](http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2373078647r.jpg) --- **MLS#:** 1913233 | **Updated:** 2026-08-27 **Source:** listhub *Copyright © 2026 LERA MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/12340-saddle-up-san-antonio-tx-78254-1913233) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/12340-saddle-up-san-antonio-tx-78254-1913233#listing", "url": "https://www.propertysimple.ai/listing/12340-saddle-up-san-antonio-tx-78254-1913233", "name": "12340 Saddle Up, San Antonio, TX 78254", "description": "This house comes with a REDUCED RATE as low as 5.875 (APR 6.439) as of 08/25/2026 through List & LockTM. This is a seller paid rate-buydown that reduces the buyer's interest rate and monthly payment. Terms apply, see disclosures for more information. Stunning Highland Homes Single-Story with Exceptional Upgrades & Assumable VA Loan with a 2.25 rate! Welcome to this beautifully designed single-story home built by Highland Homes, offering an open and inviting floor plan perfect for both everyday living and entertaining. The heart of the home is the chef-inspired kitchen, featuring a large center island, custom cabinetry, and an upgraded refrigerator - ideal for hosting gatherings or enjoying casual meals with family. A dedicated media room provides the perfect space for movie nights, while the whole-house vacuum system and whole-house stereo system - including patio speakers - add convenience and luxury throughout. Relax and unwind outdoors with a hot tub and custom exterior lighting under the eaves, creating an inviting ambiance for evening entertaining. Additional premium features include a tankless water heater, epoxied garage floor, and a garage shelving and storage system designed to keep everything organized. Best of all, this home offers an assumable VA loan with an incredibly low interest rate, a rare opportunity for qualified buyers to save significantly on their mortgage. This property blends quality craftsmanship, modern upgrades, and thoughtful details - truly move-in ready! MOTIVATED SELLER", "image": [ "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1740104878r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f4238987955r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1022600082r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1698171236r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3292963980r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3570401614r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3041835986r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2180009396r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f810383835r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f52677782r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f943484382r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2227504101r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2748990294r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1427291655r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f18758568r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2107929820r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3388665573r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1379343491r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2683823485r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1630906958r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1253677462r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f229154026r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3652355958r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f807973464r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3171210655r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f948764949r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1390994463r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3971940639r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f748114145r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f4224604730r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1594611612r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2373078647r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1740104878r.jpg", "caption": "12340 Saddle Up - San Antonio, TX" }, "datePosted": "2026-06-03T18:36:51.520414+00:00", "dateModified": "2026-08-27T18:34:03.124354+00:00", "mainEntity": { "@type": "Accommodation", "@id": "https://www.propertysimple.ai/listing/12340-saddle-up-san-antonio-tx-78254-1913233#property", "name": "12340 Saddle Up, San Antonio, TX 78254", "address": { "@type": "PostalAddress", "streetAddress": "12340 Saddle Up", "addressLocality": "San Antonio", "addressRegion": "TX", "postalCode": "78254", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 29.541514, "longitude": -98.737294 }, "image": [ "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1740104878r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f4238987955r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1022600082r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1698171236r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3292963980r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3570401614r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3041835986r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2180009396r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f810383835r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f52677782r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f943484382r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2227504101r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2748990294r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1427291655r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f18758568r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2107929820r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3388665573r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1379343491r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2683823485r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1630906958r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1253677462r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f229154026r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3652355958r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f807973464r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3171210655r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f948764949r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1390994463r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f3971940639r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f748114145r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f4224604730r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f1594611612r.jpg", "http://lh.rdcpix.com/7f534e2b35271d2b4fca4e95d500b303l-f2373078647r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "1913233" }, "accommodationCategory": "Other", "numberOfBedrooms": 4, "numberOfBathroomsTotal": 3, "numberOfFullBathrooms": 3, "floorSize": { "@type": "QuantitativeValue", "value": 2928, "unitCode": "FTK", "unitText": "square feet" }, "yearBuilt": 2019, "amenityFeature": [ { "@type": "LocationFeatureSpecification", "name": "Cooling", "value": "Central Air" }, { "@type": "LocationFeatureSpecification", "name": "Parking Features", "value": "Garage" }, { "@type": "LocationFeatureSpecification", "name": "Fireplace", "value": true }, { "@type": "LocationFeatureSpecification", "name": "Air Conditioning", "value": true } ], "additionalProperty": [ { "@type": "PropertyValue", "name": "Lot Size", "value": "0.21 acres" }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Other" } ] }, "offers": { "@type": "Offer", "@id": "https://www.propertysimple.ai/listing/12340-saddle-up-san-antonio-tx-78254-1913233#offer", "url": "https://www.propertysimple.ai/listing/12340-saddle-up-san-antonio-tx-78254-1913233", "price": 534900, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/InStock", "seller": { "@id": "https://www.propertysimple.ai/listing/12340-saddle-up-san-antonio-tx-78254-1913233#agent" } }, "provider": { "@type": "Person", "@id": "https://www.propertysimple.ai/listing/12340-saddle-up-san-antonio-tx-78254-1913233#agent", "name": "Duncan Elliott", "telephone": "(210) 571-0330", "worksFor": { "@type": "Organization", "@id": "https://www.propertysimple.ai/listing/12340-saddle-up-san-antonio-tx-78254-1913233#brokerage", "name": "Phillips & Associates Realty", "telephone": "(210) 571-0330" } } } ```