Sell Your Land Note in Comal County, Texas — Complete Guide

Comal County holds the remarkable distinction of being one of the fastest-growing counties in the United States by percentage, a title it has held for much of the past decade. Nestled in the Texas Hill Country between San Antonio and Austin, this scenic county is anchored by the city of New Braunfels — a community that has grown from a charming German-heritage small town into one of the most desirable mid-size cities in Texas. If you hold a promissory note secured by land in Comal County, you own a financial asset backed by property in a market that combines explosive growth with Hill Country lifestyle appeal, creating conditions that note buyers find exceptionally attractive. The decision to sell your land note in Comal County, Texas can unlock immediate cash from an asset that is strongly supported by the county's outstanding growth fundamentals.

Comal County's population has more than doubled since 2000, growing from approximately 78,000 to well over 180,000 residents. New Braunfels alone has grown from roughly 36,000 to more than 100,000 during this period, making it one of the fastest-growing cities of its size in the nation. The county's appeal is driven by a potent combination of factors: its scenic Hill Country setting along the Guadalupe and Comal rivers; its position at the intersection of Interstate 35 and Interstate 10, providing easy access to both San Antonio and Austin; its excellent schools in the Comal and New Braunfels ISDs; and its increasingly sophisticated commercial and cultural amenities. This growth has driven property values steadily upward and has created a deep, active real estate market that provides strong support for land note values.

Whether your note is backed by a residential lot in one of New Braunfels' master-planned communities, a Hill Country tract along the River Road corridor, a commercial parcel along Interstate 35, or rural acreage in the northern reaches of the county near Canyon Lake, this guide will walk you through everything you need to know about selling your land note in Comal County, Texas.

Why Comal County Land Notes Command Premium Offers

Comal County's combination of rapid growth, lifestyle appeal, and strategic location creates a market environment that is exceptionally favorable for note sellers. Understanding why buyers value Comal County collateral will help you appreciate the strength of your position.

Record-Setting Growth

Comal County's growth rate has been among the highest in the nation for years, and this sustained expansion creates exactly the kind of demand environment that note buyers want to see. When a county is growing rapidly, the demand for land is strong, property values are appreciating, and the pool of potential buyers in a foreclosure scenario is deep. All of these factors reduce the note buyer's risk and allow them to offer more competitive pricing. Comal County's growth is not speculative or bubble-driven — it is the result of real demographic shifts, genuine employment growth, and the enduring appeal of a community that offers an exceptional quality of life at prices that, while rising, remain reasonable compared to the core Austin and San Antonio markets.

Hill Country Lifestyle Premium

The Texas Hill Country is one of the most desirable landscapes in the state, and Comal County is at its heart. The rolling limestone hills, the crystal-clear waters of the Comal and Guadalupe rivers, the heritage oak trees, and the scenic vistas create a natural environment that people will pay a premium to live in. This lifestyle premium is reflected in property values throughout the county, particularly in areas with river access, Hill Country views, or proximity to the natural amenities that define the region. For note holders, this lifestyle premium provides an additional layer of collateral support that goes beyond the purely economic factors that drive values in more conventional suburban markets. Note buyers recognize that Hill Country properties have a built-in demand floor created by people's desire to live in a beautiful place, and that recognition supports better pricing.

Dual-Metro Access

Comal County's position along Interstate 35 between San Antonio and Austin gives its residents access to employment, entertainment, healthcare, and services in both metropolitan areas. This dual-metro access is a significant competitive advantage over counties that are dependent on a single employment market. Residents of New Braunfels can commute to jobs in either San Antonio or Austin, shop in either city, and access the full range of big-city amenities without sacrificing the small-town, Hill Country lifestyle that drew them to Comal County in the first place. For note buyers, this means that the demand for Comal County land is supported by two separate metro economies, providing diversification that reduces risk and supports stable or rising property values.

Tourism and Recreation Economy

New Braunfels is one of the most popular tourist destinations in Texas, drawing millions of visitors annually for tubing on the Comal and Guadalupe rivers, water parks like Schlitterbahn, the Wurstfest festival, and the natural beauty of the Hill Country. Canyon Lake, in the northern part of the county, adds another recreational dimension with boating, fishing, and lakefront living. This tourism economy generates significant revenue and employment that supplements the residential and commercial demand for land. For note holders, the tourism factor adds yet another layer of demand support that note buyers find attractive.

How to Sell Your Land Note in Comal County, Texas

Selling your Comal County land note is a straightforward process that benefits from the county's active market and efficient infrastructure.

Prepare Your Documentation

Assemble the essential documents: the original promissory note, the deed of trust recorded with the Comal County Clerk, a payment history, the title insurance policy, and any amendments. For Hill Country properties, information about any deed restrictions, water rights or well capacity, and flood zone status (particularly for properties near the rivers or Canyon Lake) can be relevant. A complete package demonstrates your seriousness and allows the buyer to evaluate the note efficiently. For a full checklist, see this guide on documents needed to sell a land note in Texas.

Get Your Cash Offer

Contact a note buyer with deep Texas experience and share your note's financial details and property information. A reputable buyer will deliver a preliminary offer within 24 hours. For Comal County notes, working with a buyer who appreciates the Hill Country lifestyle premium and the county's extraordinary growth trajectory is essential for getting a fair valuation. A buyer who only compares Comal County values to other San Antonio-area suburbs may miss the lifestyle component that justifies premium pricing in this market. Longhorn Note Buyers, based in nearby San Antonio, has intimate knowledge of the Comal County market and can evaluate your note with the local expertise it deserves.

Due Diligence

The buyer's due diligence includes a title search through the Comal County Clerk, payment verification, and property valuation. Comal County's highly active real estate market provides excellent comparable sales data, particularly in New Braunfels and the surrounding growth areas. For properties near Canyon Lake or in the Hill Country portions of the county, the buyer may need to rely on somewhat less abundant comparable data, but the overall market is well-documented. The due diligence phase typically takes one to two weeks. For a broader perspective on the selling timeline, review this article on the timeline for selling a land note in Texas.

Closing

After due diligence, closing proceeds in the standard manner — assignment documents are prepared, signed, and recorded, and the buyer wires the purchase price. The total timeline is typically two to four weeks. Title companies in New Braunfels and the broader San Antonio-area market handle note transactions routinely and facilitate efficient closings.

Factors That Drive the Value of Your Comal County Land Note

The price you receive for your Comal County note reflects the standard valuation factors enhanced by the county's exceptional growth premium.

Interest Rate and Financial Terms

Higher interest rates, standard amortizing structures, and shorter remaining terms all contribute to better offers. The monthly payment amount and the total remaining cash flow determine the buyer's projected return, and notes that generate attractive yields command premium pricing. Comal County notes often carry interest rates that are competitive with rates in other growing suburban markets, making them appealing to yield-seeking buyers.

Borrower Payment Performance

A consistent payment history remains the single most important risk indicator. A note with 24 or more months of on-time payments demonstrates reliability that buyers value highly, and in Comal County — where many borrowers are working professionals with stable incomes in the San Antonio and Austin metros — consistent payment histories are common. If your borrower has maintained a strong record, this is the most powerful selling point for your note.

Property Value and the Comal County Premium

Comal County property values have appreciated substantially over the past decade, driven by the county's explosive growth and the Hill Country lifestyle premium. This appreciation means that many notes originated in earlier years now have exceptionally favorable loan-to-value ratios, which directly supports better pricing. A note that was written at 75% LTV five years ago might now have an effective LTV of 45% or lower, providing the buyer with substantial collateral protection. The buyer will assess current property values using comparable sales data and the Comal County Appraisal District records, and the county's active market provides the data needed for accurate valuations. For a comprehensive look at valuation factors, see this article on what determines note value in Texas.

Water and Utility Access

In the Hill Country portions of Comal County, water availability is an important property characteristic that affects value. Properties served by municipal water systems — such as those within the New Braunfels Utilities service area — are valued more highly than properties that rely solely on private wells, because water is a precious and sometimes limited resource in the Hill Country. Similarly, properties with full utility access (water, sewer, electricity, and broadband) are stronger collateral than those without. If your property has reliable water and utility access, highlighting these features can support a more favorable note valuation.

Comal County Sub-Markets

Comal County contains several distinct sub-markets that offer different characteristics and investment profiles.

New Braunfels — The Heart of the County

New Braunfels is the dominant market in Comal County and one of the fastest-growing cities in Texas. The city offers a compelling lifestyle package — historic charm in the downtown Gruene and Main Plaza areas, modern amenities in the expanding commercial corridors, excellent schools, and unrivaled access to river recreation and Hill Country scenery. Property values in New Braunfels are the highest in the county and have been appreciating at rates that outpace many larger Texas cities. Notes backed by New Braunfels property are among the most attractive in the county to note buyers because the collateral is in a premium, high-demand market with deep buyer interest and strong appreciation trends. Whether your property is a lot in a master-planned community like Vintage Oaks, a tract near the Guadalupe River, or a parcel in the expanding commercial corridors, New Braunfels collateral is viewed very favorably.

Canyon Lake — Waterfront and Recreation

Canyon Lake, a U.S. Army Corps of Engineers reservoir on the Guadalupe River, is one of the premier recreational destinations in the Hill Country. The lake's shores are lined with a mix of permanent homes, vacation properties, and undeveloped lots that attract buyers seeking waterfront living and recreational access. Property values around Canyon Lake are driven by water access, views, and proximity to boat ramps and marinas. Notes backed by Canyon Lake property can be very attractive to buyers who understand the waterfront premium, though the valuation will depend on the specific lot's relationship to the water. Properties with direct lake frontage and dock access will be valued significantly higher than properties that are nearby but lack direct water access.

Garden Ridge and Surrounding Communities

Garden Ridge, a small but affluent community on the Bexar-Comal county border, and the surrounding areas along the southern edge of Comal County benefit from proximity to San Antonio while retaining a Hill Country character. Property values in Garden Ridge are high, reflecting the community's exclusivity, large lot sizes, and natural Hill Country setting. Notes backed by property in Garden Ridge and the southern Comal County area are well-received by buyers who recognize the premium nature of this sub-market.

Northern Comal County — Bulverde and Beyond

The northern portions of Comal County, including the area around Bulverde (which straddles the Comal-Bexar county line) and the Hill Country acreage north and west of New Braunfels, offer larger lots, more rural character, and the quintessential Hill Country landscape that draws buyers seeking space and natural beauty. Property values here vary widely depending on the specific characteristics of the land — terrain, views, water access, and road frontage all play significant roles. Notes backed by northern Comal County property benefit from the overall growth of the county and the appeal of Hill Country living, though the discounts may be somewhat larger than for New Braunfels city properties due to the lower density of comparable sales data and the more specialized nature of the market.

Understanding the Discount on Comal County Land Notes

Comal County's exceptional growth and lifestyle premium translate into discounts that are among the most favorable in Texas for note sellers outside the very largest metros.

Typical Ranges

For performing land notes in Comal County, discounts typically range from 8% to 22% of the remaining balance. Notes backed by New Braunfels property with strong payment histories, high interest rates, and low LTV ratios will receive offers at the lower end of that range — sometimes even better than notes in larger metro areas, because the growth premium and lifestyle appeal provide exceptional collateral confidence. Canyon Lake waterfront notes and Hill Country acreage notes will face somewhat larger discounts depending on the specific property characteristics, but even these typically fall within a moderate range thanks to the county's overall market strength.

Why Comal County Discounts Are Competitive

Comal County's record-setting growth, the strength of the New Braunfels market, the lifestyle premium of Hill Country living, and the dual-metro access along I-35 all combine to create a level of buyer confidence that supports smaller discounts than you might find in most other Texas counties of similar size. The county's growth is not driven by a single employer or industry but by a broad-based lifestyle appeal that attracts a diverse population of families, retirees, professionals, and investors. This diversity of demand provides the stability that note buyers need to offer competitive pricing.

Ready to Sell Your Note?

If you're ready to sell your land note in Comal County, Texas, Longhorn Note Buyers is the ideal partner for your transaction. Based in neighboring San Antonio, we have an intimate understanding of the Comal County market — the New Braunfels growth story, the Canyon Lake waterfront dynamics, the Hill Country lifestyle premium, and the I-35 corridor economics that drive the county's success. We've purchased more than $46 million in Texas notes since 2007 with a perfect 100% close rate, and our founder Nick McFadin brings more than 40 years of note-buying expertise to every deal.

We are a direct buyer with our own capital — no brokers, no middlemen, no hidden fees, and no deals that fall apart between quote and closing. Our A+ BBB rating reflects our commitment to honest, transparent dealings with every seller we work with.

Call us today at (210) 828-3573 or visit longhornnotebuyers.com to get your free, no-obligation quote. Selling your land note in Comal County, Texas puts cash in your hands today from one of the most dynamic real estate markets in the state, and we're ready to make it happen.

Frequently Asked Questions About Selling a Land Note in Comal County, Texas

How does Comal County's growth rate affect my note's value?

Comal County's status as one of the fastest-growing counties in the United States is a significant positive for note valuation. Rapid, sustained population growth creates strong demand for land, drives property value appreciation, and ensures a deep pool of potential buyers in any foreclosure scenario. These factors reduce risk for the note buyer and allow them to offer more competitive pricing. The growth rate also signals to buyers that the current market strength is likely to continue, which further supports their willingness to pay a premium for Comal County collateral. In practical terms, the growth premium can result in discounts that are several percentage points smaller than you might see for notes in less dynamic markets.

Does Canyon Lake waterfront add value to my note?

Canyon Lake waterfront property carries a significant premium in the Comal County market, and this premium can positively affect your note's value by improving the loan-to-value ratio and strengthening the collateral. However, the specific impact depends on the property's characteristics — the amount of water frontage, the usability of the shoreline, any dock permits or improvements, and the property's elevation relative to the lake level all factor into the assessment. Properties with direct, usable lake access and good views will support the most favorable note valuations. Properties that are near the lake but lack direct access may still benefit from the recreational appeal of the area but will not command the same waterfront premium.

What if my property is in a Hill Country area with limited water?

Water availability is a notable consideration in the Hill Country portions of Comal County, and properties with limited or uncertain water supplies may be valued lower than properties with reliable municipal water connections. If your property relies on a well, the well's capacity, the quality of the water, and the long-term sustainability of the aquifer are all factors the buyer will consider. Properties served by New Braunfels Utilities or other municipal water providers will generally be valued more favorably. If you have well capacity reports, water quality tests, or other documentation of your property's water supply, providing this information to the buyer can help them make a more accurate and potentially more favorable assessment.

How fast can I close my Comal County note sale?

The typical timeline is two to four weeks from initial contact to funding. The preliminary offer comes within 24 hours. Due diligence takes one to two weeks, benefiting from Comal County's active market and abundant comparable sales data. Closing is usually completed within a few business days after due diligence. For well-documented notes backed by property in the active New Braunfels market, some transactions can close even faster. Working with a nearby buyer like Longhorn Note Buyers, based in San Antonio, can facilitate even quicker turnaround times due to our proximity and familiarity with the local title companies and market conditions.

Is it better to sell now or wait for more growth?

This depends entirely on your personal financial situation and goals. Comal County's growth trajectory is strong, and waiting could allow for additional property appreciation that might improve your LTV ratio and support a better offer in the future. However, waiting also means continuing to bear the risks inherent in any note — borrower default, property damage, market corrections, or changes in personal circumstances. The cash you receive today can be invested, used, or saved immediately, and the certainty of cash versus the uncertainty of future performance is a trade-off only you can evaluate. If you are leaning toward selling, the current market conditions in Comal County are highly favorable, and you are unlikely to find a significantly better environment for note sales in the near future.