Caldwell County property record for 410 Cibilo St, Lockhart, TX 78644
| Property Type | Single Family Home |
|---|---|
| Details | 2,167 sqft · built 1915 |
| Lot Size | 0.351 acres (15,298 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,567 (2026) |
| Deeds & Mortgages | Nov 2025 Transfer Dec 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0300592-003-008-80 |
| Primary APN | 0300592-003-008-80 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,167 sqft Living Area |
| 1st Floor Area | 1,520 sqft |
| Upper Floors Area | 647 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | High Rise |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Reinforced Concrete |
| Lot Area | 15,298 sqft (0.351 acres) |
| Lot Dimensions | 170 ft deep x 90 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 117 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Storage Building | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 20942 |
|---|---|
| Street Address | 410 CIBILO ST |
| City | LOCKHART |
| State | TX |
| Zip | 78644-3010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | POLKS, BLOCK 3, LOT 8 PT 1,2,7,9 |
| Legal Subdivision | POLKS |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | CALDWELL TX |
| Township / Civil Division | LOCKHART |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 960300 |
410 Cibilo St is owned and occupied by two individuals who acquired it in November 2025.
Source: Caldwell County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 410 CIBILO ST, LOCKHART, TX 78644-3010 |
| 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.
| Date | Document |
|---|---|
| Nov 12, 2025 | Gift Deed, Transfer |
| Dec 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage A+ FCU |
| Apr 11, 2019 | Deed of Trust, Mortgage · Stand-Alone First Mortgage A+ FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 4, 2025 |
| Transfer Doc | 2025008218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | CALDWELL TX |
| Recording Date | Nov 12, 2025 |
| Property Address | 410 CIBILO ST, LOCKHART, TX 78644-3010 |
| Document Number | 2025008218 |
| Instrument Date | Nov 4, 2025 |
| Instrument | 2025-008218 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 CIBILO ST, LOCKHART, TX 78644-3010 |
| Name | Verified Name |
|---|---|
| Address | 201 SHERWOOD OAKS DR, WACO, TX 76705-1749 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL TX |
| Property Address | 410 CIBILO ST, LOCKHART, TX 78644-3010 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022009337 |
|---|---|
| Date | Dec 9, 2022 |
| Instrument | 2022-009337 |
| Name | A+ FCU |
|---|---|
| Type | Credit Union |
| Address | AUSTIN, TX 78723 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL TX |
| Property Address | 410 CIBILO ST, LOCKHART, TX 78644-3010 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019001694 |
|---|---|
| Date | Apr 11, 2019 |
| Instrument | 2019-001694 |
| Name | A+ FCU |
|---|---|
| Type | Credit Union |
| Address | AUSTIN, TX 78723 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 1, 2024 |
The 2026 property tax bill for 410 Cibilo St was $4,567 with exemptions applied, up 11.7% from the year before.
Source: Caldwell County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Caldwell County |
| Municipality | Lockhart City |
| Unified School District | Lockhart Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,567.00 (+11.66%) | $221,328 (+1%) | $341,650 (-1.16%) Land $96,080 Building $245,570 |
| 2025 | $4,090.00 (+238.58%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $201,207 Land $96,080 Building $249,580 | $345,660 Land $96,080 Building $249,580 |
| 2024 | $1,208.00 (+17.17%) | ||
| 2023 | $1,031.00 (-31.31%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $166,286 Land $87,210 Building $285,940 | $373,150 Land $87,210 Building $285,940 |
| 2022 | $1,501.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 410 Cibilo St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
Source: FEMA National Flood Hazard Layer, effective June 9, 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 |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding |
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 risk around 410 Cibilo St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LOCKHART serves 18,800 people · EPA ID TX0280001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Rise Broadband Fiber | 1,000 / 200 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications, Spry Air Fiber, T-Mobile, Verizon, VTX Communications.
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