140 Harness Ln, Cibolo, TX 78108 Property Records

Guadalupe County property record for 140 Harness Ln, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,493 sqft · built 2007
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$52,437 (Sep 2023)
Tax Bill	$688 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1G0583400801100000`

Property Details

APN / Parcel Number

Primary APN	`1G0583400801100000`
Alternative APNs	`000000126205` `000000223660` `000000290939` `126205`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,493 sqft Living Area
Gross Area	2,002 sqft
1st Floor Area	1,493 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Roof Type	Hip
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	140 HARNESS LN
City	CIBOLO
State	TX
Zip	78108-3744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CIBOLO VALLEY RANCH #4 BLOCK 8 LOT 11
Legal Subdivision	CIBOLO VALLEY RANCH #4
Legal Tract	11
Legal Block	8
Legal Lot Number	11
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	1
Census Block	1016
Census Tract	210718

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	140 HARNESS LN, CIBOLO, TX 78108-3744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 15, 2023	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage DISCOVER BANK
Jul 16, 2018	Warranty Deed, Transfer · VA Mortgage LEGACY MUTUAL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on Record
Deed Sale	Sep 15, 2023 · Amount on Record
Prior Sale	Jul 16, 2018 · Amount on Record
Deed Document Number	202323090
Prior Transfer Date	Jul 13, 2018
Prior Transfer Doc	0099015772
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099035765
Date	Oct 15, 2021
Instrument	202199035765

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GUADALUPE TX
Recording Date	Sep 15, 2023
Property Address	TX
Document Number	0099023090
Map Reference	VOL 7 PG 120
Instrument Date	Aug 18, 2023
Instrument	202399023090
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 HARNESS LN, CIBOLO, TX 78108-3744

Mortgage

Document Number	0099023091
Date	Sep 15, 2023
Instrument	202399023091

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 23, 2053

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jul 16, 2018
Property Address	140 HARNESS LN, CIBOLO, TX 78108-3744
Document Number	0000015772
Instrument Date	Jul 13, 2018
Instrument	15772
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	KEY TITLE GROUP, KEY TITLE GRP

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	140 HARNESS LN CIBOLO TX 781083744, CIBOLO, TX 78108-3744

Mortgage

Document Number	15773
Date	Jul 16, 2018
Instrument	15773

Lender

Name	LEGACY MUTUAL MTG
Type	Mortgage Company
Address	SAN ANTONIO, TX 78231

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 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		$249,800 (-13.2%) Land $40,703 Building $209,097	$249,800 (-13.2%) Land $40,703 Building $209,097
2025		$287,774 (+2.53%) Land $35,907 Building $251,867	$287,774 (+2.53%) Land $35,907 Building $251,867
2023	$688.00 (-12.47%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$280,686 Land $45,463 Building $235,223	$280,686 Land $45,463 Building $235,223
2022	$786.00

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	5 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon, ZipLink Internet.

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