829 Cardiff, Cibolo, TX 78108 Property Records

Guadalupe County property record for 829 Cardiff, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,173 sqft · built 2018
Lot Size	0.2 acres (8,727 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,400 (Jun 2019)
Tax Bill	$6,830 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G3808400202200000`

Property Details

APN / Parcel Number

Primary APN	`1G3808400202200000`
Alternative APNs	`000000157858` `000000234659` `157858`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,173 sqft Living Area
Gross Area	3,993 sqft
1st Floor Area	1,740 sqft
2nd Floor Area	1,433 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,727 sqft (0.2 acres)
Lot Dimensions	133 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Covered Porch
Porch Area	144 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	829 CARDIFF
City	CIBOLO
State	TX
Zip	78108-3912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MESA @ TURNING STONE UNIT #4 BLOCK 2 LOT 22 0.2003 AC
Legal Subdivision	MESA @ TURNING STONE UNIT #4
Legal Tract	22
Legal Block	2
Legal Lot Number	22
Jurisdiction	GUADALUPE TX
Township / Civil Division	SCHERTZ-CIBOLO
Census Block Group	3
Census Block	3007
Census Tract	210613

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	829 CARDIFF, CIBOLO, TX 78108-3912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MTG
Jun 19, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage AMERICAN PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on Record
Deed Sale	Jun 19, 2019 · Amount on Record
Deed Document Number	201999013412
Prior Transfer Date	Jun 17, 2019
Prior Transfer Doc	0099013412
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	829 CARDIFF, CIBOLO, TX 78108-3912
Document Number	0000023211
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	829 CARDIFF CIBOLO TX 781083912, CIBOLO, TX 78108-3912

Mortgage

Document Number	0000023211
Date	Aug 27, 2020
Instrument	23211

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2050

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	GUADALUPE TX
Recording Date	Jun 19, 2019
Property Address	829 CARDIFF, CIBOLO, TX 78108-3912
Document Number	0000013412
Instrument Date	Jun 17, 2019
Instrument	13412
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 6, 2019
Title Company	N TITLE COMPANY, N TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	829 CARDIFF CIBOLO TX 781083912, CIBOLO, TX 78108-3912

Mortgage

Document Number	13413
Date	Jun 19, 2019
Instrument	13413

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2049

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		$489,500 (+1%) Land $70,225 Building $442,868	$513,093 (+15.3%) Land $70,225 Building $442,868
2025	$6,830.00 (+0.26%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$445,000 (-1.11%) Land $48,395 Building $396,605	$445,000 (-1.11%) Land $48,395 Building $396,605
2024	$6,812.00 (-6.76%)
2023	$7,306.00 (-9.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$450,000 Land $77,977 Building $372,023	$450,000 Land $77,977 Building $372,023
2022	$8,066.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 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 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 SCHERTZ serves 41,948 people · EPA ID TX0940003
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Guadalupe Valley Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: VTX Communications.

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