109 Gatewood Lake, Cibolo, TX 78108 Property Records

Guadalupe County property record for 109 Gatewood Lake, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,532 sqft · built 2006
Lot Size	0.173 acres (7,549 sqft)
Owner	2 Individual Names on File
Last Sale	$123,500 (May 2006)
Tax Bill	$2,490 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G1120100301000000`

Property Details

APN / Parcel Number

Primary APN	`1G1120100301000000`
Alternative APNs	`000000120621` `000000091832` `120621`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,532 sqft Living Area
Gross Area	2,154 sqft
1st Floor Area	588 sqft
2nd Floor Area	944 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,549 sqft (0.173 acres)
Lot Dimensions	100 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Covered Porch
Porch Area	84 sqft
Deck Area	192 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	109 GATEWOOD LK
City	CIBOLO
State	TX
Zip	78108-3030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GATEWOOD UNIT #1 BLOCK 3 LOT 10
Legal Subdivision	GATEWOOD UNIT #1
Legal Tract	10
Legal Block	3
Legal Lot Number	10
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3007
Census Tract	210718

Owner

109 Gatewood Lake is owned and occupied by two individuals who bought it in May 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 GATEWOOD LK, CIBOLO, TX 78108-3030
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2006 · Amount on File
Deed Sale	May 2, 2006 · Amount on File
Deed Document Number	20068479
Deed Book / Page	2306 / 32
Prior Transfer Date	Apr 10, 2006
Prior Transfer Doc	0000008479
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	TX
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099007393
Date	Mar 5, 2021
Instrument	202199007393

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 109 Gatewood Lake was $2,490 with a homeowner's exemption, down 11.7% 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		$183,183 (-11.97%) Land $38,212 Building $144,971	$183,183 (-11.97%) Land $38,212 Building $144,971
2025	$2,490.00 (-11.73%) Homeowner's exemption	$208,080 Land $41,964 Building $166,116	$208,080 Land $41,964 Building $166,116
2024	$2,821.00 (+16.57%)
2023	$2,420.00 (-39.12%)	$247,420 Land $50,057 Building $197,363	$247,420 Land $50,057 Building $197,363
2022	$3,975.00

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

Flood

FEMA maps place 109 Gatewood Lake in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 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 109 Gatewood Lake is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.06% 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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Guadalupe Valley Electric Cooperative, Verizon, VTX Communications.