109 Elm St, Cibolo, TX 78108 Property Records

Guadalupe County property record for 109 Elm St, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,255 sqft · built 1980
Lot Size	0.217 acres (9,444 sqft)
Owner	Individual Name on Record
Last Sale	$126,100 (Jul 2020)
Tax Bill	$2,686 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G1060000101010000`

Property Details

APN / Parcel Number

Primary APN	`1G1060000101010000`
Alternative APNs	`000000023855` `000000271536` `000000307328` `23855`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,255 sqft Living Area
Gross Area	1,497 sqft
1st Floor Area	1,255 sqft
Utility Area	480 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,444 sqft (0.217 acres)
Porch	Covered Porch
Porch Area	82 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	109 ELM ST
City	CIBOLO
State	TX
Zip	78108-3534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 10 S 40 OF; N 20 OF 11 BLK: 1 ADDN: FOUR LEAF PARK
Legal Subdivision	FOUR LEAF PARK
Legal Block	1
Legal Lot Number	10
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	2
Census Block	2033
Census Tract	210717

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	109 ELM ST, CIBOLO, TX 78108-3534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020 · Amount on Record
Deed Sale	Jul 15, 2020 · Amount on Record
Deed Document Number	202099018140
Prior Transfer Date	Jun 27, 2020
Prior Transfer Doc	0099018140
Record Updated	Sep 20, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jul 15, 2020
Property Address	109 ELM ST, CIBOLO, TX 78108-3534
Document Number	0000018140
Instrument Date	Jun 27, 2020
Instrument	18140
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 ELM ST CIBOLO TX 781083534, CIBOLO, TX 78108-3534

Mortgage

Document Number	18141
Date	Jul 15, 2020
Instrument	18141

Lender

Name	SECURITY SVC FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78249

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 14, 2035

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		$171,398 (-21.46%) Land $67,462 Building $103,936	$171,398 (-21.46%) Land $67,462 Building $103,936
2025	$2,686.00 (-12.74%) Homeowner's exemption	$218,239 (-11.23%) Land $46,105 Building $172,134	$218,239 (-11.23%) Land $46,105 Building $172,134
2024	$3,078.00 (+16.11%)
2023	$2,651.00 (-19.84%) Homeowner's exemption	$245,845 Land $29,701 Building $216,144	$245,845 Land $29,701 Building $216,144
2022	$3,307.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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

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

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% 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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Hotwire Communications, Verizon, VTX Communications.

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