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

Guadalupe County is one of Central Texas's most compelling growth stories, a rapidly expanding county northeast of San Antonio that has transformed from a quiet collection of small towns and farmland into one of the fastest-growing counties in the state. If you hold a promissory note secured by land in Guadalupe County, you own a financial asset backed by property in a market that is riding the wave of San Antonio's outward expansion and benefiting from its strategic position along the Interstate 35 corridor between San Antonio and Austin. The decision to sell your land note in Guadalupe County, Texas can unlock immediate cash from an asset that is well-supported by the county's strong growth fundamentals, and experienced note buyers recognize the value of Guadalupe County collateral.

The county's transformation has been driven by the explosive growth of its primary cities — Seguin, the county seat and a historic Texas town with a growing industrial base; Schertz, a booming suburb that straddles the Guadalupe-Bexar-Comal county lines; and Cibolo, one of the fastest-growing small cities in Texas. New Braunfels, while primarily in Comal County, exerts a significant economic and cultural influence on the western portions of Guadalupe County as well. The county's population has grown by more than 40% since 2010, reflecting the enormous demand for housing and land created by the San Antonio metro area's expansion and the appeal of the Interstate 35 corridor lifestyle.

Whether your note is backed by a residential lot in one of Schertz's master-planned communities, a commercial parcel along Interstate 10 or Interstate 35, agricultural acreage in the county's eastern reaches, or a developing tract near Seguin, this guide will give you a thorough understanding of how to sell your land note in Guadalupe County, Texas and maximize your return.

Why Guadalupe County Land Notes Attract Competitive Offers

Guadalupe County's market fundamentals create a favorable environment for note sellers. The county's growth trajectory, economic diversification, and strategic location give note buyers confidence in the collateral, which translates into competitive pricing for sellers.

San Antonio Metro Expansion

Guadalupe County's growth is inextricably linked to the expansion of the San Antonio metropolitan area. As San Antonio has grown from a city of 1.1 million in 2000 to well over 1.5 million today, the demand for housing has pushed outward into surrounding counties. Guadalupe County, with its proximity to major San Antonio employment centers like Randolph Air Force Base, the Schertz industrial corridor, and the Interstate 35 commercial strip, has absorbed a significant share of this spillover demand. Families seeking affordable housing, good schools, and suburban quality of life have flocked to communities like Schertz, Cibolo, and Marion, driving property values upward and creating the kind of steady, demand-driven market that note buyers find attractive.

The Schertz-Cibolo Growth Engine

Schertz and Cibolo have been the twin engines of Guadalupe County's growth, and their development trajectory has been remarkable. Schertz, which straddles the Guadalupe-Bexar-Comal county lines, has grown from a small town of about 18,000 in 2000 to a city of more than 45,000 today. The city's location at the intersection of Interstate 35 and Interstate 10 gives it exceptional transportation access, and major employers including Amazon, Caterpillar, and numerous logistics companies have established facilities in the Schertz industrial and commercial corridor. Cibolo, immediately adjacent to Schertz, has experienced even faster percentage growth, transforming from a tiny community of around 3,000 in 2000 to a city of more than 35,000. Both cities offer new master-planned communities, expanding commercial amenities, and access to highly rated school districts, making them prime destinations for families and young professionals.

Seguin — Industrial Strength and Historic Character

Seguin, the Guadalupe County seat, brings a different kind of economic strength to the county. The city has a significant manufacturing base, including the Caterpillar excavator plant, Continental AG's tire manufacturing facility, and numerous smaller manufacturers and suppliers. This industrial employment provides thousands of well-paying blue-collar and technical jobs that support consistent demand for housing and land. Seguin also has a charming historic downtown, a growing university presence through Texas Lutheran University, and a river walk along the Guadalupe River that has become a community gathering point. The combination of industrial employment, historic character, and improving amenities has made Seguin increasingly attractive to both residents and investors, and property values in the city have appreciated accordingly.

Interstate 35 Corridor Position

Guadalupe County's position along the Interstate 35 corridor between San Antonio and Austin is a significant strategic advantage. The corridor is one of the most heavily traveled in the state, and the communities along it benefit from access to employment, retail, and services in both metropolitan areas. As the San Antonio and Austin metros continue to grow toward each other, Guadalupe County sits in the path of development that is being driven by two of the strongest economies in Texas. This corridor position gives note buyers confidence that demand for Guadalupe County land will be sustained by the growth of both metros, providing a dual-market support structure that is uncommon in most Texas counties.

How to Sell Your Land Note in Guadalupe County, Texas

Selling your Guadalupe County land note follows the standard Texas note-selling process, and the county's active real estate market and well-maintained records facilitate an efficient transaction.

Gather Your Note Documents

Start by assembling the essential documents: the original promissory note, the deed of trust recorded with the Guadalupe County Clerk, a detailed payment history, the title insurance policy, and any amendments or modifications. For agricultural properties, include information about any agricultural tax exemptions. For properties in newer developments, include any plat information, HOA documentation, and utility confirmation. Having a complete package ready allows the buyer to move quickly through the evaluation phase and demonstrates your professionalism as a seller.

Request Your Cash Offer

Contact a note buyer with Texas experience and provide the financial details of your note along with property information. A qualified buyer will provide a preliminary cash offer within 24 hours. For Guadalupe County notes, working with a buyer who understands the San Antonio metro growth dynamics and the specific sub-markets within the county is important for getting an accurate valuation. Longhorn Note Buyers, based in San Antonio, has been purchasing notes throughout Texas since 2007 and has a particularly deep understanding of the Guadalupe County market given its proximity to our home base.

Due Diligence

After accepting a preliminary offer, the buyer conducts due diligence including a title search through the Guadalupe County Clerk's office, payment history verification, and property valuation. Guadalupe County's active real estate market provides abundant comparable sales data for property valuations, particularly in the Schertz-Cibolo area where transaction volume is high. The due diligence phase typically takes one to two weeks for a straightforward deal. For a complete overview of the documentation involved, review this guide on documents needed to sell a land note in Texas.

Closing and Payment

Once due diligence is complete, closing proceeds in the standard manner — assignment documents are prepared, signed, and recorded with the Guadalupe County Clerk, and the buyer wires the purchase price to your account. The total timeline from initial contact to funding is typically two to four weeks. Title companies in Seguin, Schertz, and the broader San Antonio area are experienced in note transactions and facilitate efficient closings.

What Determines the Value of Your Guadalupe County Land Note

Your note's value is driven by the standard combination of financial terms, borrower performance, and collateral quality, with the added benefit of Guadalupe County's strong growth dynamics.

Interest Rate and Note Structure

The interest rate remains the primary driver of buyer returns and therefore a key factor in your purchase price. Higher rates, standard amortizing structures, and shorter remaining terms all contribute to better offers. Guadalupe County notes often reflect market rates that are competitive with notes in other growing suburban counties, making them attractive to buyers seeking yield in a well-supported market.

Borrower Payment History

A strong, consistent payment history is the most direct evidence of note quality and the most powerful factor you can present when selling your note. A well-seasoned note with 24 or more months of on-time payments will command premium pricing because it dramatically reduces the buyer's perceived risk. In Guadalupe County, where many borrowers are working families with stable employment in the manufacturing, logistics, and military sectors, consistent payment histories are common and well-valued by buyers.

Property Value and the Growth Premium

Guadalupe County's property values have appreciated significantly over the past decade, driven by the population influx and the development of new communities. This appreciation means that many notes originated in earlier years now have very favorable loan-to-value ratios, which directly supports better pricing when you sell. The buyer will assess the property's current market value using comparable sales data, and in the active Schertz-Cibolo market, this data is abundant and reliable. Properties in the growth corridors along Interstate 35 and Interstate 10 generally receive the most favorable valuations, while more rural properties in the eastern portions of the county are valued at lower levels but still benefit from the county's overall positive trajectory. For a broader look at note valuation factors, check out this article on what determines note value in Texas.

Location Within the County

As with any county, the specific location of your property within Guadalupe County matters significantly. A residential lot in a Schertz master-planned community with top-rated Schertz-Cibolo-Universal City ISD schools represents fundamentally different collateral than a rural tract east of Seguin. The buyer will assess the property's accessibility, its school district, its proximity to employment and commercial amenities, and its development status when determining the collateral's strength. Properties in the high-growth western and central portions of the county generally command the most favorable valuations.

Guadalupe County Sub-Markets

Guadalupe County's sub-markets range from booming suburbs to historic towns to rural agricultural areas, and each offers a different profile for note buyers.

Schertz and Cibolo — The Suburban Powerhouses

Schertz and Cibolo are the undisputed growth leaders of Guadalupe County. These adjacent cities offer a suburban lifestyle with excellent schools, expanding commercial amenities, new master-planned communities, and convenient access to both San Antonio and the broader I-35 corridor. Property values in Schertz and Cibolo are the highest in the county and have been appreciating steadily. Notes backed by property in these communities are among the most attractive in the county to note buyers because the collateral is in a deep, liquid market with strong demand and ample comparable sales data. If your note is tied to Schertz or Cibolo property, you are well-positioned for a competitive offer.

Seguin — Manufacturing Hub and County Seat

Seguin offers a compelling combination of industrial employment, historic character, and growing amenities. The city's manufacturing base — anchored by Caterpillar and Continental — provides a stable demand floor for housing and land. Property values in Seguin are lower than in Schertz or Cibolo but have been appreciating as the city attracts new investment and residents. The Guadalupe River, Texas Lutheran University, and the improving downtown area add to the city's appeal. Notes backed by Seguin property are well-received by buyers who recognize the city's economic fundamentals and growth trajectory, with moderate discounts that reflect the solid but less dynamic market compared to the western suburbs.

Marion and the Eastern County

Marion and the eastern portions of Guadalupe County retain a more rural character, with agricultural land, ranchettes, and scattered residential development. The community of Marion, located along Interstate 10 east of San Antonio, has seen some growth as commuters seek affordable housing within reach of the city. Property values in the eastern county are lower than in the suburban west, but the overall growth trajectory of Guadalupe County is gradually lifting values even in these more rural areas. Notes backed by eastern county property can be sold at reasonable discounts, particularly if the note terms and borrower performance are strong.

McQueeney, Lake Placid, and Lake Communities

Guadalupe County includes several small lake communities along the Guadalupe River, including McQueeney, Lake Placid, and surrounding areas. These communities were historically popular for vacation homes and lakefront living, though the partial draining of some Guadalupe River lakes in recent years due to dam safety concerns has affected property values in some areas. If your note is backed by lakefront property in Guadalupe County, the current status of the nearby lake is an important factor that the buyer will evaluate. Properties on lakes that are currently full and functional will be valued differently from those on lakes that have been drained or reduced. Being transparent about the lake status and any ongoing legal or engineering efforts to restore the lakes will help the buyer make an informed assessment.

The Discount on Guadalupe County Land Notes

Discounts on Guadalupe County land notes reflect the county's overall strong growth dynamics, with adjustments based on the specific sub-market and property characteristics.

What to Expect

For performing land notes in Guadalupe County, discounts typically range from 10% to 25% of the remaining balance. Notes backed by Schertz or Cibolo property with strong payment histories and favorable terms will receive offers at the lower end of that range. Notes backed by Seguin property or more rural tracts will face somewhat larger discounts. The county's overall growth trajectory and its position in the San Antonio metro expansion path help keep discounts competitive compared to more rural or isolated Texas counties.

Maximizing Your Proceeds

The strategies for minimizing the discount are familiar: complete documentation, strong seasoning, working with a direct buyer, and transparency about property characteristics. For Guadalupe County specifically, emphasizing the county's growth statistics, the proximity to San Antonio employment centers, and the strength of local school districts can help buyers who may be less familiar with the market appreciate the quality of the collateral. If your property is in a master-planned community with an HOA, providing documentation of the community's amenities and standards can add to the collateral's perceived value. For a detailed look at how to minimize discounts, read this article about discounts when selling a land note in Texas.

Ready to Sell Your Note?

If you're ready to sell your land note in Guadalupe County, Texas, Longhorn Note Buyers is uniquely positioned to serve you. Based in San Antonio, we are deeply familiar with the Guadalupe County market — from the booming suburbs of Schertz and Cibolo to the industrial strength of Seguin to the rural landscapes of the eastern county. We've purchased more than $46 million in Texas notes since 2007, with a 100% close rate on every deal we've committed to, and our founder Nick McFadin has been buying notes since 1983.

We are a direct buyer with our own capital, which means no brokers, no middlemen, and no hidden fees. Our A+ BBB rating and our decades of experience in the San Antonio and surrounding markets give you the confidence that your note will be evaluated fairly and that the offer we make is the offer we'll honor at closing.

Call us today at (210) 828-3573 or visit longhornnotebuyers.com to request your free, no-obligation quote. Selling your land note in Guadalupe County, Texas is a smart financial decision, and with Longhorn Note Buyers, it's also a simple one.

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

How does the San Antonio metro growth affect my Guadalupe County note?

The San Antonio metro's outward expansion has been one of the most significant drivers of Guadalupe County's growth over the past two decades. As San Antonio has grown, demand for housing has pushed into Guadalupe County, driving population growth, new development, and property value appreciation. This metro expansion directly benefits note holders by strengthening collateral values and giving note buyers confidence that demand for Guadalupe County land will continue. The dual-metro effect — with both San Antonio and Austin influencing the I-35 corridor — adds an additional layer of demand support that is uncommon in most Texas counties.

What about the Guadalupe River lakes situation?

Several small lakes along the Guadalupe River in Guadalupe County — including Lake McQueeney, Lake Placid, and others — have been affected by dam safety concerns that led to the partial draining of some lakes in recent years. The Guadalupe-Blanco River Authority has been working on plans to repair or replace the aging dams, and the resolution of this issue will significantly affect property values along the affected lakes. If your note is backed by lakefront property on one of these lakes, the current status of the lake and the dam repair plans are critical factors in the buyer's evaluation. Properties on lakes that are currently full will be valued more favorably than those on drained lakes. Providing any available information about the timeline for dam repairs and lake restoration can help the buyer assess the situation and make a fair offer.

Can I sell my note if the property is in a new subdivision that is still developing?

Yes, notes backed by property in developing subdivisions can absolutely be sold. In Guadalupe County, where new residential developments are appearing regularly in the Schertz, Cibolo, and Seguin areas, this is a common scenario. Note buyers will evaluate the lot based on its current value, which may be influenced by the stage of development in the surrounding subdivision. A lot in a partially completed subdivision where homes are being built and infrastructure is in place will be valued more favorably than a lot in a very early-stage development where future completion is uncertain. Providing information about the developer's track record, the current pace of sales, and the infrastructure status can help the buyer assess the situation accurately.

How fast can I close a Guadalupe County note sale?

The typical timeline is two to four weeks from initial contact to funding. You'll receive a preliminary offer within 24 hours. Due diligence takes one to two weeks, benefiting from Guadalupe County's efficient records and the abundant comparable sales data in the active Schertz-Cibolo-Seguin markets. Closing is typically completed within a few business days after due diligence. For well-documented notes with performing borrowers and property in the county's active sub-markets, closings can sometimes happen even faster.

Is Longhorn Note Buyers familiar with the Guadalupe County market?

Absolutely. Longhorn Note Buyers is based in San Antonio, which makes Guadalupe County essentially our backyard. We have a deep understanding of the county's sub-markets, growth dynamics, and property values that comes from years of evaluating notes in the region. Our proximity to the market means we can assess Guadalupe County notes with a level of local knowledge that out-of-state or national buyers simply cannot match. When you work with us, you're working with a team that knows the difference between a Schertz lot and a Seguin lot, that understands the I-35 corridor dynamics, and that can price your note with the accuracy and fairness that local expertise provides.