909 Cardiff, Cibolo, TX 78108 Property Records

Guadalupe County property record for 909 Cardiff, Cibolo, TX 78108

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,712 sqft · built 2018
Lot Size	0.202 acres (8,805 sqft)
Owner	2 Individual Names on Record
Last Sale	$456,700 (Aug 2018)
Tax Bill	$4,226 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1G3808400203900000`

Property Details

APN / Parcel Number

Primary APN	`1G3808400203900000`
Alternative APNs	`000000157867` `000000224825` `157867`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,712 sqft Living Area
Gross Area	3,531 sqft
1st Floor Area	2,155 sqft
2nd Floor Area	557 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,805 sqft (0.202 acres)
Lot Dimensions	133 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	133 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	909 CARDIFF
City	CIBOLO
State	TX
Zip	78108-3969
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MESA @ TURNING STONE UNIT #4 BLOCK 2 LOT 39 0.2021 AC
Legal Subdivision	MESA @ TURNING STONE UNIT #4
Legal Tract	39
Legal Block	2
Legal Lot Number	39
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	909 CARDIFF, CIBOLO, TX 78108-3969
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2019	Deed of Trust, Mortgage · VA Mortgage CLM MTG
Aug 23, 2018	Grant Deed, Subdivision Related Transfer · VA Mortgage CLM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2018 · Amount on Record
Deed Sale	Aug 23, 2018 · Amount on Record
Deed Document Number	201899019340
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUADALUPE TX
Property Address	909 CARDIFF, CIBOLO, TX 78108-3969
Document Number	0000026940
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	909 CARDIFF CIBOLO TX 781083969, CIBOLO, TX 78108-3969

Mortgage

Document Number	0000026940
Date	Nov 22, 2019
Instrument	26940

Lender

Name	CLM MTG
Type	Mortgage Company
Address	HOUSTON, TX 77067

Agreement

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

August 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	GUADALUPE TX
Recording Date	Aug 23, 2018
Property Address	909 CARDIFF, CIBOLO, TX 78108-3969
Document Number	0000019340
Instrument Date	Aug 21, 2018
Instrument	19340
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	Married Couple
Address	909 CARDIFF CIBOLO TX 781083969, CIBOLO, TX 78108-3969

Mortgage

Document Number	19341
Date	Aug 23, 2018
Instrument	19341

Lender

Name	CLM MTG
Type	Mortgage Company
Address	HOUSTON, TX 77067

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 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		$457,728 (+4.09%) Land $70,588 Building $387,140	$457,728 (+4.09%) Land $70,588 Building $387,140
2025	$4,226.00 (-18.65%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$439,743 (-11.99%) Land $48,715 Building $391,028	$439,743 (-11.99%) Land $48,715 Building $391,028
2024	$5,195.00 (-0.15%)
2023	$5,203.00 (-27.47%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$499,666 Land $78,400 Building $421,266	$499,666 Land $78,400 Building $421,266
2022	$7,174.00

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 64% of the US · lower than 89% 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 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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