104 Mossy Bk, Cibolo, TX 78108 Property Records

Guadalupe County property record for 104 Mossy Bk, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,858 sqft · built 2021
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$451,156 (Jul 2026)
Tax Bill	$6,483 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000000181729`

Property Details

APN / Parcel Number

Primary APN	`000000181729`
Alternative APNs	`1G3147-3A07-03200-0-00` `000000269382` `000000274304` `181729`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,858 sqft Living Area
Gross Area	3,435 sqft
1st Floor Area	1,493 sqft
2nd Floor Area	1,365 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	394 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	81 sqft
Patio Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	104 MOSSY BANK
City	CIBOLO
State	TX
Zip	78108-0256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEELE CREEK SUB #3A BLOCK 7 LOT 32 .29 AC
Legal Subdivision	STEELE CREEK SUB #3A
Legal Block	7
Legal Lot Number	32
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	4
Census Block	4000
Census Tract	210718

Owner

104 Mossy Bk is owned and occupied by two individuals who bought it in July 2026.

Source: Guadalupe County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	104 MOSSY BANK, CIBOLO, TX 78108-0256
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed, Transfer · VA Mortgage DIRECTIONS EQUITY
Jun 29, 2022	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on File
Deed Sale	Jul 30, 2026 · Amount on File
Prior Sale	Jun 29, 2022
Deed Document Number	202620481
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jul 30, 2026
Property Address	104 MOSSY BANK, CIBOLO, TX 78108-0256
Document Number	0000020481
Instrument Date	Jul 29, 2026
Instrument	202620481
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 MOSSY BANK, CIBOLO, TX 78108-0256

Mortgage

Document Number	0000020482,
Date	Jul 30, 2026
Instrument	202620482

Lender

Name	DIRECTIONS EQUITY

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2022: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Jun 29, 2022
Property Address	104 MOSSY BANK, CIBOLO, TX 78108-0256
Document Number	0099020226
Map Reference	DOC 202199003532
Instrument Date	Jun 27, 2022
Instrument	202299020226
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 MOSSY BANK, CIBOLO, TX 78108-0256

Mortgage

Document Number	0099020227
Date	Jun 29, 2022
Instrument	202299020227

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 104 Mossy Bk was $6,483, down 5.1% from the year before.

Source: Guadalupe County assessment roll, as of August 12, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Cibolo City
County	Guadalupe County
Unified School District	Schertz-Cibolo-Universal City Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$439,558 (+5.92%) Land $72,803 Building $366,755	$439,558 (+5.92%) Land $72,803 Building $366,755
2025	$6,483.00 (-5.09%) Homeowner's exemption	$415,000 Land $67,282 Building $347,718	$415,000 Land $67,282 Building $347,718
2024	$6,831.00 (-27.03%)
2023	$9,362.00 (+245.46%)	$484,569 Land $88,953 Building $395,616	$484,569 Land $88,953 Building $395,616
2022	$2,710.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Mossy Bk in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 104 Mossy Bk is moderate, ranking above 53% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 69% of Texas
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CIBOLO serves 20,331 people · EPA ID TX0940018
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 411 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber	1,000 / 1,000
Guadalupe Valley Electric Cooperative Fiber	1,000 / 1,000
VTX Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
ZipLink Internet Fixed Wireless	100 / 20

May also be available: T-Mobile.

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