1003 Bernard Dr, San Antonio, TX 78221 Property Records

Bexar County property record for 1003 Bernard Dr, San Antonio, TX 78221

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,454 sqft · built 1946
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on File
Tax Bill	$545 (2025)
Deeds & Mortgages	May 2017 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11164-008-1510`

Property Details

APN / Parcel Number

Primary APN	`11164-008-1510`
Alternative APN	`475487`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,454 sqft Living Area
1st Floor Area	1,454 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1973
Exterior Material	Wood
Roof Material	Asphalt
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	200 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1003 BERNARD DR
City	SAN ANTONIO
State	TX
Zip	78221-3616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NCB 11164 BLK 8 LOT 151
Legal Subdivision	BLOCK 11164
Legal Block	8
Legal Lot Number	151
Jurisdiction	BEXAR TX
Township / Civil Division	SAN ANTONIO CENTRAL
Census Block Group	1
Census Block	1000
Census Tract	151700

Owner

1003 Bernard Dr is owned and occupied by two individuals.

Source: Bexar County records, as of May 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1003 BERNARD DR, SAN ANTONIO, TX 78221-3616
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
May 1, 2017	Deed of Trust, Mortgage · FHA Mortgage 1ST NATIONS REVERSE MORTGAGE
May 1, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEXAR TX
Property Address	1003 BERNARD DR, SAN ANTONIO, TX 78221-3616
Document Number	0000084899
Book / Page	018496 / 000539
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	May 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1003 BERNARD DR SAN ANTONIO TX 782213616, SAN ANTONIO, TX 78221-3616

Mortgage

Document Number	0000084899
Date	May 5, 2017
Book Page	018496/000539
Instrument	84899

Lender

Name	1ST NATIONS REVERSE MORTGAGE
Address	ANN ARBOR, MI 48103

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.37%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEXAR TX
Property Address	1003 BERNARD DR, SAN ANTONIO, TX 78221-3616
Document Number	0000084900
Book / Page	018496 / 000556
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	May 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1003 BERNARD DR SAN ANTONIO TX 782213616, SAN ANTONIO, TX 78221-3616

Mortgage

Document Number	0000084900
Date	May 5, 2017
Book Page	018496/000556
Instrument	84900

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1003 Bernard Dr was $545 with exemptions applied, up 7.1% from the year before.

Source: Bexar County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bexar County
Municipality	San Antonio City
Unified School District	Harlandale Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$545.00 (+7.07%) Homeowner's exemption Senior Citizen's exemption	$185,640 Land $61,350 Building $124,290	$185,640 Land $61,350 Building $124,290
2024	$509.00 (-6.43%)
2023	$544.00 (-43.1%) Homeowner's exemption Senior Citizen's exemption	$205,680 Land $74,850 Building $130,830	$205,680 Land $74,850 Building $130,830
2022	$956.00

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

Flood

FEMA maps place 1003 Bernard Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1003 Bernard Dr is low, with a 0.03% annual chance of 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 88% 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	SAN ANTONIO WATER SYSTEM serves 2,643,729 people · EPA ID TX0150018
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 82 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
Alamo Broadband Fixed Wireless	450 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: VTX Communications, ZipLink Internet.

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