728 Smooth Wine, Cibolo, TX 78108 Property Records

Guadalupe County property record for 728 Smooth Wine, Cibolo, TX 78108

Property Summary

Property TypeSingle Family Home
Details2,702 sqft · built 2016
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on File
Last Sale$218,665 (Mar 2024)
Tax Bill$2,193 (2025)
Deeds & MortgagesMay 2025 Transfer
Mar 2024 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN1G3932111601200000

Property Details

APN / Parcel Number

Primary APN1G3932111601200000
Alternative APNs
  • 000000161279
  • 000000239788
  • 000000314129
  • 161279

Interior

Stories2 Stories
Building Area2,702 sqft Living Area
Gross Area3,401 sqft
1st Floor Area2,021 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialBrick Veneer
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Garage Area452 sqft
Parking Spaces2 Parking Spaces
PorchCovered Porch
Porch Area247 sqft
Patio Area152 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address728 SMOOTH WINE
CityCIBOLO
StateTX
Zip78108-4418
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSARATOGA UNIT #11 BLOCK 16 LOT 12 .19 AC 50.00000% UNDIVIDED INTEREST
Legal SubdivisionSARATOGA UNIT #11
Legal Tract12
Legal Block16
Legal Lot Number12
JurisdictionGUADALUPE TX
Township / Civil DivisionSCHERTZ-CIBOLO
Census Block Group1
Census Block1011
Census Tract210713

Owner

728 Smooth Wine is owned and occupied by two individuals who acquired it in May 2025.

Source: Guadalupe County records, as of October 13, 2026

Owner of Record2 Individual Names on File
Mailing Address728 SMOOTH WINE, CIBOLO, TX 78108-4418
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

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

DateDocument
May 22, 2025Intrafamily Transfer, Transfer
Mar 13, 2024Vendor's Lien, Transfer · Conventional Mortgage
GARDNER FINANCIAL SERVICES LTD
Sep 29, 2017Deed of Trust, Mortgage · VA Mortgage
CREDENCE FNDG
Mar 1, 2017Warranty Deed, Subdivision Related Transfer · VA Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 13, 2024 · Amount on File
Deed SaleMar 13, 2024 · Amount on File
Prior SaleMar 1, 2017 · Amount on File
Deed Document Number20245635
Last Transfer DateMay 22, 2025
Transfer Doc0000012659
Record UpdatedOct 29, 2026

May 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionGUADALUPE TX
Recording DateMay 22, 2025
Property AddressTX
Document Number0099012657
Map ReferenceVOL 8 PG 446-448
Instrument DateMay 22, 2025
Instrument202599012657
Transaction TypeTransfer
Record UpdatedNov 3, 2025

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address728 SMOOTH WINE, CIBOLO, TX 78108-4418

March 2024: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionGUADALUPE TX
Recording DateMar 13, 2024
Property Address728 SMOOTH WINE, CIBOLO, TX 78108-4418
Document Number0099005635
Map ReferenceVOL 8 PG 446-448
Instrument DateMar 8, 2024
Instrument202499005635
Transaction TypeTransfer
Record UpdatedMar 26, 2024
Title CompanyINDEPENDENCE TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address408 MINERALS WAY, CIBOLO, TX 78108-4386

Transferred To (Grantee/Buyer)

NameVerified Name
Address3572 PEACHTREE LN, SCHERTZ, TX 78154-2517

Mortgage

Document Number0099005636
DateMar 13, 2024
Instrument202499005636
Lender
NameGARDNER FINANCIAL SERVICES LTD
TypeFunding / Finance Company
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2054

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGUADALUPE TX
Property Address728 SMOOTH WINE, CIBOLO, TX 78108-4418
Document Number0000024279
Instrument DateSep 29, 2017
Transaction TypeMortgage
Record UpdatedNov 6, 2019
Title CompanyMILESTONE SETTLEMENT LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address728 SMOOTH WINE CIBOLO TX 781084418, CIBOLO, TX 78108-4418

Mortgage

Document Number0000024279
DateOct 12, 2017
Instrument24279
Lender
NameCREDENCE FNDG
TypeFunding / Finance Company
AddressABERDEEN, MD 21001
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueOct 11, 2047
Interest
Rate TypeAdjustable Rate
Rate2.25%

March 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionGUADALUPE TX
Recording DateMar 1, 2017
Property Address728 SMOOTH WINE, CIBOLO, TX 78108-4418
Document Number0000004606
Map ReferenceVOL8 PG446-448
Instrument DateFeb 28, 2017
Instrument20170004606
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 2, 2021
Title CompanyDHI TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address728 SMOOTH WINE, CIBOLO, TX 78108-4418

Mortgage

Document Number0000004607
DateMar 1, 2017
Instrument20170004607
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 728 Smooth Wine was $2,193 with a homeowner's exemption, down 30.8% from the year before.

Source: Guadalupe County assessment roll, as of August 12, 2026

Property Jurisdictions

TypeName
StateTexas
MunicipalityCibolo City
CountyGuadalupe County
Unified School DistrictSchertz-Cibolo-Universal City Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$187,341 (-2.8%) Land $24,702 Building $162,639$187,341 (-2.8%) Land $24,702 Building $162,639
2025$2,193.00 (-30.82%)$192,730 Land $23,445 Building $169,285$192,730 Land $23,445 Building $169,285
2024$3,170.00 (-61.76%)
2023$8,289.00 (-10.97%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$441,011 Land $64,288 Building $376,723$441,011 Land $64,288 Building $376,723
2022$9,310.00

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

Flood

FEMA maps place 728 Smooth Wine in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective April 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 14 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies14 in force
Nearby Flood Claims4 (1997–2026)
Claims Outside the SFHA2 of 4
Most Recent ClaimAug 2026 · rainfall accumulation

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 728 Smooth Wine is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemGREEN VALLEY SUD
serves 52,497 people · EPA ID TX0940020
Water SourcePurchased surface water from several systems
Last State InspectionJul 2024
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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 506 locations within half a mile, as of December 31, 2025

ProviderMax 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: Guadalupe Valley Electric Cooperative, VTX Communications.

Nearby Properties on Smooth Wine

Nearby Streets

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