209 Gardner Cv, Cibolo, TX 78108 Property Records

Guadalupe County property record for 209 Gardner Cv, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	2,359 sqft · built 2010
Lot Size	0.158 acres (6,870 sqft)
Owner	Company Name on Record
Tax Bill	$4,272 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G0411400K00200000`

Property Details

APN / Parcel Number

Primary APN	`1G0411400K00200000`
Alternative APNs	`000000131528` `000000245529` `000000278467` `131528`

Interior

Stories	2 Stories
Building Area	2,359 sqft Living Area
Gross Area	2,879 sqft
1st Floor Area	1,308 sqft
2nd Floor Area	1,051 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	6,870 sqft (0.158 acres)
Lot Dimensions	123 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	72 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	209 GARDNER CV
City	CIBOLO
State	TX
Zip	78108-4366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUFFALO CROSSING #4 BLOCK K LOT 2 .1577 AC
Legal Subdivision	BUFFALO CROSSING #4
Legal Tract	2
Legal Block	K
Legal Lot Number	2
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3008
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	Company Name on Record
Mailing Address	14701 PHILIPS HWY, 300, JACKSONVILLE, FL 32256-3742
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Vendor's Lien, Transfer · FHA Mortgage PILGRIM MORTGAGE LLC
Mar 31, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2025
Deed Sale	Feb 12, 2025
Prior Sale	Jul 29, 2022 · Amount on Record
Deed Document Number	20253442
Prior Transfer Date	May 24, 2011
Prior Transfer Doc	0000010101
Record Updated	Sep 20, 2026

July 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Jul 29, 2022
Property Address	209 GARDNER CV, CIBOLO, TX 78108-4366
Document Number	0099023382
Map Reference	VOL 7 PG 384-386
Instrument Date	Jul 28, 2022
Instrument	202299023382
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 GARDNER CV, CIBOLO, TX 78108-4366

Mortgage

Document Number	0099023383
Date	Jul 29, 2022
Instrument	202299023383

Lender

Name	PILGRIM MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	209 GARDNER CV, CIBOLO, TX 78108-4366
Document Number	0000008102
Instrument Date	Mar 31, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 GARDNER CV CIBOLO TX 781084366, CIBOLO, TX 78108-4366

Mortgage

Document Number	0000008102
Date	Apr 3, 2020
Instrument	8102

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2050

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		$324,524 (+8.01%) Land $59,449 Building $265,075	$324,524 (+8.01%) Land $59,449 Building $265,075
2025	$4,272.00 (-33.55%) Homeowner's exemption	$300,451 (-18.67%) Land $41,323 Building $259,128	$300,451 (-18.67%) Land $41,323 Building $259,128
2024	$6,429.00 (+7.51%)
2023	$5,980.00 (-15.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$369,400 Land $55,391 Building $314,009	$369,400 Land $55,391 Building $314,009
2022	$7,080.00

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
Flood Insurance Cost	Premium on Record 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

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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