109 Cedar Way, Kerrville, TX 78028 Property Records

Kerr County property record for 109 Cedar Way, Kerrville, TX 78028

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,615 sqft · built 1984
Lot Size	0.536 acres (23,339 sqft)
Owner	Individual Name on File
Last Sale	$158,317 (Aug 2026)
Tax Bill	$3,994 (2026)
Deeds & Mortgages	Aug 2026 Mortgage May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4062-0040-002000`

Property Details

APN / Parcel Number

Primary APN	`4062-0040-002000`
Alternative APN	`27792`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,615 sqft Living Area
Gross Area	2,489 sqft
1st Floor Area	1,615 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,339 sqft (0.536 acres)
Lot Dimensions	1 ft deep x 104 ft wide
Garage Type	Mixed
Garage Area	528 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Patio Area	16 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	4062-0040-002000
Street Address	109 CEDAR WAY
City	KERRVILLE
State	TX
Zip	78028-7061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUADALUPE HEIGHTS 2 BLK 4 LOT 2
Legal Subdivision	GUADALUPE HEIGHTS 2
Legal Block	4
Legal Lot Number	2
Jurisdiction	KERR TX
Township / Civil Division	KERRVILLE
Census Block Group	1
Census Block	1011
Census Tract	960700

Owner

109 Cedar Way is owned and occupied by an individual who bought it in August 2026.

Source: Kerr County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	109 CEDAR WAY, KERRVILLE, TX 78028-7061
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 28, 2026	Deed, Transfer · Conventional Mortgage LOAN STORE
May 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUADALUPE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on File
Deed Sale	Aug 28, 2026 · Amount on File
Prior Sale	Apr 22, 2016 · Amount on File
Deed Document Number	20265212
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KERR TX
Recording Date	Aug 28, 2026
Property Address	109 CEDAR WAY, KERRVILLE, TX 78028-7061
Document Number	0000005212
Instrument Date	Aug 28, 2026
Instrument	20265212
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CEDAR WAY, KERRVILLE, TX 78028-7061

Mortgage

Document Number	0000005213,
Date	Aug 28, 2026
Instrument	20265213

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERR TX
Property Address	109 CEDAR WAY, KERRVILLE, TX 78028-7061
Transaction Type	Mortgage
Record Updated	Jun 28, 2022
Title Company	FIDELITY ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022004152
Date	May 11, 2022
Instrument	22-004152

Lender

Name	GUADALUPE BANK
Type	Bank
Address	KERRVILLE, TX 78028

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 109 Cedar Way was $3,994 with a homeowner's exemption, up 5.3% from the year before.

Source: Kerr County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Kerr County
Unified School District	Kerrville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,994.00 (+5.27%)	$322,077 (+9.4%) Land $50,000 Building $272,077	$322,077 (-) Land $50,000 Building $272,077
2025	$3,794.00 (+221.25%) Homeowner's exemption	$294,401 Land $50,000 Building $272,077	$322,077 Land $50,000 Building $272,077
2024	$1,181.00 (-48.85%)
2023	$2,309.00 Homeowner's exemption	$267,667 Land $20,000 Building $247,667	$267,667 Land $20,000 Building $247,667

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

Flood

FEMA maps place 109 Cedar Way in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective August 4, 2022 · 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
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	13 (1978–2026)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Jul 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jul 2026 · 3 claims Severe Storms, Straight-line Winds, And Flooding, Jul 2025 · 3 claims

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 109 Cedar Way is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GUADALUPE HEIGHTS UTILITY private · serves 678 people · EPA ID TX1330009
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
VTX Communications Fixed Wireless	940 / 940
Hill Country Telecommunications Fixed Wireless · Fiber in parts of the area	300 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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