245 Gardner Cv, Cibolo, TX 78108 Property Records

Guadalupe County property record for 245 Gardner Cv, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,005 sqft · built 2009
Lot Size	0.158 acres (6,870 sqft)
Owner	2 Individual Names on File
Last Sale	$288,610 (Feb 2025)
Tax Bill	$1,680 (2025)
Deeds & Mortgages	Feb 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G0411400K01100000`

Property Details

APN / Parcel Number

Primary APN	`1G0411400K01100000`
Alternative APNs	`000000131537` `000000174573` `000000309086` `131537`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,005 sqft Living Area
Gross Area	2,545 sqft
1st Floor Area	2,005 sqft
Utility Area	64 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick Veneer
Roof Type	Hip
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	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	55 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	245 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 11 .1577 AC
Legal Subdivision	BUFFALO CROSSING #4
Legal Tract	11
Legal Block	K
Legal Lot Number	11
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3008
Census Tract	210718

Owner

Source: Guadalupe County records · APN 1G0411400K01100000

Assessment roll updated August 12, 2026 · Last verified August 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 File
Mailing Address	245 GARDNER CV, CIBOLO, TX 78108-4366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 18, 2025 · Amount on Record
Deed Sale	Feb 18, 2025 · Amount on Record
Prior Sale	Apr 29, 2014
Deed Document Number	20253766
Prior Transfer Date	Mar 08, 2010
Prior Transfer Doc	0000004122
Record Updated	Sep 20, 2026

February 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Feb 18, 2025
Property Address	245 GARDNER CV, CIBOLO, TX 78108-4366
Document Number	0099003766
Map Reference	VOL 7 PG 384-386
Instrument Date	Feb 13, 2025
Instrument	202599003766
Transaction Type	Transfer
Record Updated	Nov 03, 2025
Title Company	CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 GARDNER CV, CIBOLO, TX 78108-4366
Investor	Possibly a Property Investor

Mortgage

Document Number	0099003767
Date	Feb 18, 2025
Instrument	202599003767

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2055

Tax Assessment & Valuation

Source: Guadalupe County records · Assessment roll updated August 12, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$308,898 (+4.32%) Land $59,449 Building $249,449	$308,898 (+4.32%) Land $59,449 Building $249,449
2025	$1,680.00 (-21.27%) Homeowner's exemption Senior Citizen's exemption	$296,106 (-20.01%) Land $41,323 Building $254,783	$296,106 (-20.01%) Land $41,323 Building $254,783
2024	$2,134.00 (-0.19%)
2023	$2,138.00 (-45%) Homeowner's exemption Senior Citizen's exemption	$370,191 Land $55,391 Building $314,800	$370,191 Land $55,391 Building $314,800
2022	$3,887.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: CellTex Networks.

Based on FCC filings for 479 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF CIBOLO serves 20,331 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.