305 Gardner Cv, Cibolo, TX 78108 Property Records

Guadalupe County property record for 305 Gardner Cv, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,600 sqft · built 2011
Lot Size	0.152 acres (6,613 sqft)
Owner	2 Individual Names on File
Last Sale	$395,959 (Aug 2022)
Tax Bill	$4,736 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G0411400A09900000`

Property Details

APN / Parcel Number

Primary APN	`1G0411400A09900000`
Alternative APNs	`000000131480` `000000194828` `000000275568` `131480`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,600 sqft Living Area
Gross Area	3,138 sqft
1st Floor Area	1,448 sqft
2nd Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,613 sqft (0.152 acres)
Lot Dimensions	113 ft deep x 59 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	48 sqft
Deck Area	169 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	305 GARDNER CV
City	CIBOLO
State	TX
Zip	78108-4367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUFFALO CROSSING #4 BLOCK A LOT 99 0.1518 AC
Legal Subdivision	BUFFALO CROSSING #4
Legal Tract	99
Legal Block	A
Legal Lot Number	99
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3004
Census Tract	210718

Owner

305 Gardner Cv is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	305 GARDNER CV, CIBOLO, TX 78108-4367
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 18, 2022	Vendor's Lien, Transfer · VA Mortgage DIRECTIONS EQUITY LLC
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on File
Deed Sale	Aug 18, 2022 · Amount on File
Prior Sale	Apr 1, 2011 · Amount on File
Deed Document Number	202225543
Prior Transfer Date	Mar 23, 2011
Prior Transfer Doc	0000005728
Record Updated	Sep 20, 2026

August 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GUADALUPE TX
Recording Date	Aug 18, 2022
Property Address	305 GARDNER CV, CIBOLO, TX 78108-4367
Document Number	0099025543
Map Reference	VOL 7 PG 384-386
Instrument Date	Aug 17, 2022
Instrument	202299025543
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	STEWART TITLE/CALDWELL, STC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 GARDNER CV, CIBOLO, TX 78108-4367

Mortgage

Document Number	0099025544
Date	Aug 18, 2022
Instrument	202299025544

Lender

Name	DIRECTIONS EQUITY LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	305 GARDNER CV, CIBOLO, TX 78108-4367
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099022927
Date	Jul 2, 2021
Instrument	202199022927

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 305 Gardner Cv was $4,736 with a homeowner's exemption, down 32.2% 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		$351,163 (+8.21%) Land $58,144 Building $293,019	$351,163 (+8.21%) Land $58,144 Building $293,019
2025	$4,736.00 (-32.22%) Homeowner's exemption	$324,509 Land $40,170 Building $284,339	$324,509 Land $40,170 Building $284,339
2024	$6,987.00 (-8.37%)
2023	$7,625.00 (+31.33%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$394,674 Land $54,024 Building $340,650	$394,674 Land $54,024 Building $340,650
2022	$5,806.00

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

Flood

FEMA maps place 305 Gardner Cv in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 305 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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.

Nearby Properties on Gardner Cv

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures