132 Phantom Crk, Cibolo, TX 78108 Property Records

Guadalupe County property record for 132 Phantom Crk, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	2,360 sqft · built 2004
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$228,800 (Jul 2018)
Tax Bill	$4,408 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1G0969502400400000`

Property Details

APN / Parcel Number

Primary APN	`1G0969502400400000`
Alternative APNs	`000000112185` `000000223900` `112185`

Interior

Stories	2 Stories
Building Area	2,360 sqft Living Area
Gross Area	3,289 sqft
1st Floor Area	1,037 sqft
2nd Floor Area	1,323 sqft
Utility Area	80 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	157 sqft
Patio Area	362 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	132 PHANTOM CRK
City	CIBOLO
State	TX
Zip	78108-4277
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FALCON RIDGE UNIT #5 BLOCK 24 LOT 4 0.1653 AC
Legal Subdivision	FALCON RIDGE UNIT #5
Legal Tract	4
Legal Block	24
Legal Lot Number	4
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	2
Census Block	2010
Census Tract	210716

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	2 Individual Names on Record
Mailing Address	132 PHANTOM CRK, CIBOLO, TX 78108-4277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Feb 22, 2024	Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSN
Jul 24, 2018	Warranty Deed, Transfer HOUSING & CMNTY DEV DEPT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2018 · Amount on Record
Deed Sale	Jul 24, 2018 · Amount on Record
Deed Document Number	201899016565
Prior Transfer Date	Jul 20, 2018
Prior Transfer Doc	0099016565
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Recording Date	Jul 10, 2026
Property Address	132 PHANTOM CRK, CIBOLO, TX 78108-4277
Document Number	0000018496
Instrument Date	May 6, 2026
Instrument	202618496
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 PHANTOM CRK, CIBOLO, TX 78108-4277

Mortgage

Document Number	0000018496,
Date	Jul 10, 2026
Instrument	202618496

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	265 Months
Due	Aug 1, 2048

Interest

Rate	6.37%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	132 PHANTOM CRK, CIBOLO, TX 78108-4277
Transaction Type	Mortgage
Record Updated	Mar 5, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 PHANTOM CRK, CIBOLO, TX 78108-4277

Mortgage

Document Number	0099003763
Date	Feb 22, 2024
Instrument	202499003763

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	294 Months
Due	Aug 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jul 24, 2018
Property Address	132 PHANTOM CRK, CIBOLO, TX 78108-4277
Document Number	0000016565
Instrument Date	Jul 20, 2018
Instrument	16565
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	132 PHANTOM CRK CIBOLO TX 781084277, CIBOLO, TX 78108-4277

Mortgage

Document Number	16567
Date	Jul 24, 2018
Instrument	16567

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	AUSTIN, TX 78711-3941

Agreement

Amount	Amount Recorded

Mortgage

Document Number	16566,
Date	Jul 24, 2018
Instrument	16566

Lender

Name	SECURITY NAT'L MTG
Type	Mortgage Company
Address	MURRAY, UT 84123

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 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		$298,204 (-3.02%) Land $46,159 Building $252,045	$298,204 (-3.02%) Land $46,159 Building $252,045
2025	$4,408.00 (+10.59%) Homeowner's exemption	$307,494 (-10.82%) Land $38,472 Building $269,022	$307,494 (-10.82%) Land $38,472 Building $269,022
2023	$3,986.00 (-14.45%) Homeowner's exemption	$344,819 Land $53,694 Building $291,125	$344,819 Land $53,694 Building $291,125
2022	$4,659.00

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
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	Not rated no burnable land within ember reach

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 863 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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