412 Bison Ln, Cibolo, TX 78108 Property Records

Guadalupe County property record for 412 Bison Ln, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,080 sqft · built 2013
Lot Size	0.162 acres (7,074 sqft)
Owner	2 Individual Names on Record
Last Sale	$361,600 (Jan 2019)
Tax Bill	$4,871 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1G0411500D06400000`

Property Details

APN / Parcel Number

Primary APN	`1G0411500D06400000`
Alternative APNs	`000000148156` `000000228651` `148156`

Interior

Bedrooms	4 Beds
Stories	1 Story
Building Area	2,080 sqft Living Area
Gross Area	2,943 sqft
1st Floor Area	2,080 sqft
Utility Area	120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,074 sqft (0.162 acres)
Lot Dimensions	110 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	703 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	40 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	412 BISON LN
City	CIBOLO
State	TX
Zip	78108-3823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUFFALO CROSSING #5 BLOCK D LOT 64 0.1624 AC
Legal Subdivision	BUFFALO CROSSING #5
Legal Tract	64
Legal Block	D
Legal Lot Number	64
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	412 BISON LN, CIBOLO, TX 78108-3823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 14, 2019	Deed of Trust, Mortgage · VA Mortgage DIRECTIONS EQUITY
Jan 3, 2019	Warranty Deed, Transfer · VA Mortgage LEGACY MUTUAL MTG
Feb 9, 2018	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Prior Sale	Oct 18, 2013 · Amount on Record
Deed Document Number	201999000424
Prior Transfer Date	Dec 28, 2018
Prior Transfer Doc	0099000424
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	412 BISON LN, CIBOLO, TX 78108-3823
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099003102
Date	Jan 28, 2022
Instrument	202299003102

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	412 BISON LN, CIBOLO, TX 78108-3823
Document Number	0000027017
Instrument Date	Nov 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 BISON LN CIBOLO TX 781083823, CIBOLO, TX 78108-3823

Mortgage

Document Number	0000027017
Date	Nov 22, 2019
Instrument	27017

Lender

Name	DIRECTIONS EQUITY
Type	Funding / Finance Company
Address	SAN ANTONIO, TX 78248

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jan 3, 2019
Property Address	412 BISON LN, CIBOLO, TX 78108-3823
Document Number	0000000424
Instrument Date	Dec 28, 2018
Instrument	424
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	412 BISON LN CIBOLO TX 781083823, CIBOLO, TX 78108-3823

Mortgage

Document Number	425
Date	Jan 3, 2019
Instrument	425

Lender

Name	LEGACY MUTUAL MTG
Type	Mortgage Company
Address	SAN ANTONIO, TX 78231

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	412 BISON LN, CIBOLO, TX 78108-3823
Document Number	0000003327
Instrument Date	Feb 9, 2018
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 BISON LN CIBOLO TX 781083823, CIBOLO, TX 78108-3823

Mortgage

Document Number	0000003327
Date	Feb 16, 2018
Instrument	3327

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2048

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		$347,102 (+4.72%) Land $60,437 Building $286,665	$347,102 (+4.72%) Land $60,437 Building $286,665
2025	$4,871.00 (-23.05%) Homeowner's exemption	$331,460 (-18.06%) Land $42,212 Building $289,248	$331,460 (-18.06%) Land $42,212 Building $289,248
2024	$6,330.00 (+13.52%)
2023	$5,576.00 (-11.04%) Homeowner's exemption	$404,524 Land $56,444 Building $348,080	$404,524 Land $56,444 Building $348,080
2022	$6,268.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.03% 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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