204 Gardner Cv, Cibolo, TX 78108 Property Records

Guadalupe County property record for 204 Gardner Cv, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	2,600 sqft · built 2010
Lot Size	0.149 acres (6,499 sqft)
Owner	2 Individual Names on File
Last Sale	$420,280 (Jul 2022)
Tax Bill	$2,314 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G0411400J03900000`

Property Details

APN / Parcel Number

Primary APN	`1G0411400J03900000`
Alternative APNs	`000000131519` `000000132056` `000000274976` `000000309684` `131519`

Interior

Stories	2 Stories
Building Area	2,600 sqft Living Area
Gross Area	3,186 sqft
1st Floor Area	1,448 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,499 sqft (0.149 acres)
Lot Dimensions	111 ft deep x 59 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	48 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	204 GARDNER CV
City	CIBOLO
State	TX
Zip	78108-4366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUFFALO CROSSING #4 BLOCK J LOT 39 0.1492 AC, UNDIVIDED INTEREST 50.0000000000%
Legal Subdivision	BUFFALO CROSSING #4
Legal Tract	39
Legal Block	J
Legal Lot Number	39
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3005
Census Tract	210718

Owner

204 Gardner Cv is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	204 GARDNER CV, CIBOLO, TX 78108-4366
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Date	Document
Jul 21, 2022	Vendor's Lien, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Jan 9, 2020	Deed of Trust, Mortgage DISCOVER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on File
Deed Sale	Jul 21, 2022 · Amount on File
Prior Sale	Jul 27, 2010 · Amount on File
Deed Document Number	202222561
Prior Transfer Date	Jul 20, 2010
Prior Transfer Doc	0000012645
Record Updated	Sep 20, 2026

July 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Jul 21, 2022
Property Address	204 GARDNER CV, CIBOLO, TX 78108-4366
Document Number	0099022561
Map Reference	VOL 7 PG 384
Instrument Date	Jul 20, 2022
Instrument	202299022561
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	PROROVIDENCE TITLE COMPANY, PROVIDENCE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 N WALNUT AVE STE 204, 204, NEW BRAUNFELS, TX 78130-7951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 GARDNER CV, CIBOLO, TX 78108-4366

Mortgage

Document Number	0099022562
Date	Jul 21, 2022
Instrument	202299022562

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	204 GARDNER CV, CIBOLO, TX 78108-4366
Document Number	0000001216
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 GARDNER CV CIBOLO TX 781084366, CIBOLO, TX 78108-4366

Mortgage

Document Number	0000001216
Date	Jan 16, 2020
Instrument	1216

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jan 15, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 204 Gardner Cv was $2,314, down 71.3% 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		$168,864 (+5.89%) Land $28,816 Building $140,048	$168,864 (+5.89%) Land $28,816 Building $140,048
2025	$2,314.00 (-71.31%) Homeowner's exemption	$159,467 (-61.4%) Land $19,850 Building $139,617	$159,467 (-61.4%) Land $19,850 Building $139,617
2024	$8,066.00 (+6.74%)	$413,116 (+5.63%) Land $40,558 Building $372,558	$413,116 (+5.63%) Land $40,558 Building $372,558
2023	$7,557.00 (+23.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$391,110 Land $53,468 Building $337,642	$391,110 Land $53,468 Building $337,642
2022	$6,123.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 204 Gardner Cv in Zone X, an area of minimal flood risk.

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 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 204 Gardner Cv is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% 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 479 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: ZipLink Internet.

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