523 Cibilo St, Lockhart, TX 78644 Property Records

Caldwell County property record for 523 Cibilo St, Lockhart, TX 78644

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,790 sqft · built 1910
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$156,500 (Oct 2015)
Tax Bill	$7,162 (2026)
Deeds & Mortgages	Jun 2017 Line of Credit Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0300017-049-080-00`

Property Details

APN / Parcel Number

Primary APN	`0300017-049-080-00`
Alternative APNs	`R18162` `18162`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,790 sqft Living Area
1st Floor Area	1,790 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1974
Architectural Style	Georgian
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Reinforced Concrete
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	154 ft deep x 113 ft wide
Garage Type	Mixed
Garage Area	720 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	230 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Space Heater

Location & Zoning

Account Number	18162
Street Address	523 CIBILO ST
City	LOCKHART
State	TX
Zip	78644-3011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A017 LOCKHART, BYRD, ACRES .69
Legal Subdivision	LOCKHART, BYRD
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	3
Census Block	3004
Census Tract	960300

Owner

Source: Caldwell County records, as of September 23, 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	523 CIBILO ST, LOCKHART, TX 78644-3011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2017	Deed of Trust, Mortgage · Line of Credit HEALTH CREDIT UNION
Apr 30, 2020	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2015 · Amount on Record
Deed Sale	Oct 29, 2015 · Amount on Record
Prior Sale	Aug 28, 2006
Deed Document Number	20157129
Prior Transfer Date	Oct 21, 2015
Prior Transfer Doc	007129
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	523 CIBILO ST, LOCKHART, TX 78644-3011
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017002850
Date	Jun 2, 2017
Instrument	2017-002850

Lender

Name	HEALTH CREDIT UNION
Type	Non-Lending Institution
Address	AUSTIN, TX 78756

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	177 Months
Due	Mar 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	523 CIBILO ST, LOCKHART, TX 78644-3011
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	TEXAS NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020002092
Date	Apr 30, 2020
Instrument	2020-002092

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Caldwell County
Municipality	Lockhart City
Unified School District	Lockhart Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,162.00 (+46.88%)	$347,071 (+1%)	$395,230 (-3.16%) Land $143,970 Building $251,260
2025		$315,519 (+21%) Land $143,970 Building $264,160	$408,130 (+1.37%) Land $143,970 Building $264,160
2024	$4,876.00 (+15.22%)
2023	$4,232.00 (-15.73%) Homeowner's exemption	$260,759 Land $130,750 Building $271,850	$402,600 Land $130,750 Building $271,850
2022	$5,022.00

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 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

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.

Drinking Water

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

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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200
VTX Communications Fixed Wireless	400 / 50

May also be available: Spry Air Fiber, T-Mobile, Verizon.

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