Guadalupe County property record for 109 Summit Vw, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,532 sqft · built 2003 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $307,545 (Aug 2023) |
| Tax Bill | $4,456 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G2604300102900000 |
| Primary APN | 1G2604300102900000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,532 sqft Living Area |
| Gross Area | 3,132 sqft |
| 1st Floor Area | 2,184 sqft |
| 2nd Floor Area | 348 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 128 sqft |
| Patio Area | 104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 109 SUMMIT VW |
|---|---|
| City | CIBOLO |
| State | TX |
| Zip | 78108-3243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDGE @ DEER CREEK #3 BLOCK 1 LOT 29 .1653 AC |
| Legal Subdivision | RIDGE @ DEER CREEK #3 |
| Legal Tract | 29 |
| Legal Block | 1 |
| Legal Lot Number | 29 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 210712 |
Source: Guadalupe County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 SUMMIT VW, CIBOLO, TX 78108-3243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 8, 2023 | Vendor's Lien, Transfer · Conventional Mortgage PILGRIM MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2023 · Amount on Record |
| Deed Sale | Aug 8, 2023 · Amount on Record |
| Deed Document Number | 202319876 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Property Address | 109 SUMMIT VW, CIBOLO, TX 78108-3243 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 109 SUMMIT VW, CIBOLO, TX 78108-3243 |
| Document Number | 0099002437 |
|---|---|
| Date | Feb 2, 2026 |
| Instrument | 202699002437 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Aug 8, 2023 |
| Property Address | 109 SUMMIT VW, CIBOLO, TX 78108-3243 |
| Document Number | 0099019876 |
| Map Reference | VOL 6 PG 520-521 |
| Instrument Date | Aug 8, 2023 |
| Instrument | 202399019876 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 SUMMIT VW, CIBOLO, TX 78108-3243 |
| Document Number | 0099019877 |
|---|---|
| Date | Aug 8, 2023 |
| Instrument | 202399019877 |
| Name | PILGRIM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
Source: Guadalupe County assessment roll, as of August 12, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Cibolo City |
| County | Guadalupe County |
| Unified School District | Schertz-Cibolo-Universal City Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $317,000 (+2.26%) Land $46,159 Building $270,841 | $317,000 (+2.26%) Land $46,159 Building $270,841 | |
| 2025 | $4,456.00 (-14.16%) Homeowner's exemption | $310,000 (-18.27%) Land $42,747 Building $267,253 | $310,000 (-18.27%) Land $42,747 Building $267,253 |
| 2024 | $5,191.00 (-1.56%) | ||
| 2023 | $5,273.00 (-11.41%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $379,319 (-2.8%) Land $35,092 Building $344,227 | $379,319 (-2.8%) Land $35,092 Building $344,227 |
| 2022 | $5,952.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $390,251 Land $75,699 Building $314,552 | $390,251 Land $75,699 Building $314,552 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 13 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 4 (2001–2015) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.3% of Texas |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 616 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Guadalupe Valley Electric Cooperative, VTX Communications, ZipLink Internet.
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