109 Creekside Dr, Cibolo, TX 78108 Property Records

Guadalupe County property record for 109 Creekside Dr, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,658 sqft · built 2002
Lot Size	0.165 acres (7,196 sqft)
Owner	Individual Name on Record
Last Sale	$200,300 (Dec 2020)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1G3626200502500000`

Property Details

APN / Parcel Number

Primary APN	`1G3626200502500000`
Alternative APNs	`000000106204` `000000251225` `106204`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,658 sqft Living Area
Gross Area	2,088 sqft
1st Floor Area	1,658 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,196 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	30 sqft
Deck Area	104 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	109 CREEKSIDE DR
City	CIBOLO
State	TX
Zip	78108-3250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOWBRIDGE #2 BLOCK 5 LOT 25 0.1652 AC
Legal Subdivision	WILLOWBRIDGE #2
Legal Tract	25
Legal Block	5
Legal Lot Number	25
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1028
Census Tract	210713

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	109 CREEKSIDE DR, CIBOLO, TX 78108-3250
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2020	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FIN'L SVCS INC
Jul 24, 2020	Deed of Trust, Construction Loan · Construction Mortgage MARK KRAMER
Aug 27, 2019	Warranty Deed, Transfer LENDINGHOME FNDG
Mar 6, 2018	Loan Modification, Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2020 · Amount on Record
Deed Sale	Dec 7, 2020 · Amount on Record
Prior Sale	Aug 27, 2019 · Amount on Record
Deed Document Number	202099035302
Prior Transfer Date	Nov 30, 2020
Prior Transfer Doc	0099035302
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Dec 7, 2020
Property Address	109 CREEKSIDE DR, CIBOLO, TX 78108-3250
Document Number	0000035302
Instrument Date	Nov 30, 2020
Instrument	35302
Transaction Type	Transfer
Record Updated	Jan 6, 2021
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CREEKSIDE DR CIBOLO TX 781083250, CIBOLO, TX 78108-3250

Mortgage

Document Number	36378
Date	Dec 7, 2020
Instrument	36378

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2050

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Recording Date	Jul 24, 2020
Property Address	109 CREEKSIDE DR, CIBOLO, TX 78108-3250
Document Number	0000019157
Instrument Date	Jul 15, 2020
Instrument	19157
Transaction Type	Construction Loan
Record Updated	Aug 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8616 MENDOCINO DR AUSTIN TX 787351423, AUSTIN, TX 78735-1423
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019157
Date	Jul 24, 2020
Instrument	19157

Lender

Name	MARK KRAMER
Address	201 RUA ESPERANZA, LINCOLN, CA 95648-7946

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 23, 2021

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Aug 27, 2019
Property Address	109 CREEKSIDE DR, CIBOLO, TX 78108-3250
Document Number	0000019481
Instrument Date	Aug 20, 2019
Instrument	19481
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	TEXAS TITLE COMPANY, TEXAS TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1513 GRAFORD ST LEANDER TX 786412890, LEANDER, TX 78641-2890
Investor	Possibly a Property Investor

Mortgage

Document Number	19482
Date	Aug 27, 2019
Instrument	19482

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Amount	Amount Recorded

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GUADALUPE TX
Property Address	109 CREEKSIDE DR, CIBOLO, TX 78108-3250
Document Number	0000008055
Instrument Date	Mar 6, 2018
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CREEKSIDE DR CIBOLO TX 781083250, CIBOLO, TX 78108-3250

Mortgage

Document Number	0000008055
Date	Apr 17, 2018
Instrument	8055

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, TX 73118

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2048

Tax Assessment & Valuation

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		$220,884 (-4.84%) Land $37,017 Building $183,867	$220,884 (-4.84%) Land $37,017 Building $183,867
2025	$2,954.00 (-41.95%) Homeowner's exemption	$232,126 (-9.3%) Land $34,183 Building $197,943	$232,126 (-9.3%) Land $34,183 Building $197,943
2024	$5,089.00 (+2.93%)
2023	$4,944.00 (-13.25%)	$255,920 Land $38,037 Building $217,883	$255,920 Land $38,037 Building $217,883
2022	$5,699.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	4 (1997–2026)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 2026 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.4% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 752 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Guadalupe Valley Electric Cooperative.

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