224 Gardner Cv, Cibolo, TX 78108 Property Records

Guadalupe County property record for 224 Gardner Cv, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,221 sqft · built 2011
Lot Size	0.153 acres (6,653 sqft)
Owner	Individual Name on Record
Last Sale	$311,640 (Apr 2023)
Tax Bill	$6,963 (2023)
Deeds & Mortgages	Apr 2023 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G0411400J03400000`

Property Details

APN / Parcel Number

Primary APN	`1G0411400J03400000`
Alternative APNs	`000000131514` `000000185621` `000000285462` `131514`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,221 sqft Living Area
Gross Area	2,909 sqft
1st Floor Area	2,221 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,653 sqft (0.153 acres)
Lot Dimensions	120 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	224 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 34 0.1527 AC
Legal Subdivision	BUFFALO CROSSING #4
Legal Tract	34
Legal Block	J
Legal Lot Number	34
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3005
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	Individual Name on Record
Mailing Address	224 GARDNER CV, CIBOLO, TX 78108-4366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Vendor's Lien, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 14, 2017	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2023 · Amount on Record
Deed Sale	Apr 20, 2023 · Amount on Record
Prior Sale	Nov 17, 2022
Deed Document Number	20239570
Prior Transfer Date	May 11, 2015
Prior Transfer Doc	0000009278
Record Updated	Sep 20, 2026

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Apr 20, 2023
Property Address	224 GARDNER CV, CIBOLO, TX 78108-4366
Document Number	0099009570
Map Reference	VOL 7 PG 384-386
Instrument Date	Apr 19, 2023
Instrument	202399009570
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	195 BROADWAY FL 26, 26, NEW YORK, NY 10007-3257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 GARDNER CV, CIBOLO, TX 78108-4366

Mortgage

Document Number	0099009571
Date	Apr 20, 2023
Instrument	202399009571

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	224 GARDNER CV, CIBOLO, TX 78108-4366
Document Number	0000016728
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	ELEVATED TITLE/TX LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	224 GARDNER CV CIBOLO TX 781084366, CIBOLO, TX 78108-4366

Mortgage

Document Number	0000016728
Date	Jul 20, 2017
Instrument	16728

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%

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		$344,713 (+6.15%) Land $58,348 Building $286,365	$344,713 (+6.15%) Land $58,348 Building $286,365
2025		$324,733 (-19.33%) Land $40,349 Building $284,384	$324,733 (-19.33%) Land $40,349 Building $284,384
2023	$6,963.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$402,547 Land $54,236 Building $348,311	$402,547 Land $54,236 Building $348,311

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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