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118 Bernard St, Naples, TX 75568 Property Records

Morris County property record for 118 Bernard St, Naples, TX 75568

Property Summary

Property TypeSingle Family Home
Details760 sqft · built 2021
Lot Size0.237 acres (10,324 sqft)
OwnerIndividual Name on Record
Last Sale$19,460 (May 2025)
Tax Bill$3,326 (2026)
Deeds & MortgagesMay 2025 Mortgage
Aug 2022 Transfer
+ 1 more
APNR000012523

Property Details

APN / Parcel Number

Primary APNR000012523
Alternative APN
  • 16100001000180

Interior

Stories1 Story
Building Area760 sqft Total Area

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Lot Area10,324 sqft (0.237 acres)
PorchPorch
Porch Area44 sqft

Location & Zoning

Account Number16100001000180
Street Address118 BERNARD ST
CityNAPLES
StateTX
Zip75568-5880
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSOUTH HGTS ADDN, LT 18 BLK A
Legal BlockA
Legal Lot Number18
JurisdictionMORRIS TX
Township / Civil DivisionNAPLES
Census Block Group3
Census Block3041
Census Tract950100

Owner

Source: Morris 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 RecordIndividual Name on Record
Mailing Address118 BERNARD ST, NAPLES, TX 75568-5880
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 6, 2025Vendor's Lien, Transfer · Stand-Alone First Mortgage
LORETTA SUSAN GAJDICA
Aug 3, 2022Intrafamily Transfer, Transfer
Apr 4, 2022Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 6, 2025 · Amount on Record
Deed SaleMay 6, 2025 · Amount on Record
Prior SaleAug 3, 2022
Deed Document Number2025822
Deed Book / Page662 / 589
Prior Transfer DateAug 2, 2022
Prior Transfer Doc000615/225
Record UpdatedOct 29, 2026

May 2025: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionMORRIS TX
Recording DateMay 6, 2025
Property Address118 BERNARD ST, NAPLES, TX 75568-5880
Document Number000662/589
Book / Page662 / 589
Instrument DateJul 1, 2024
Instrument2025-000822
Transaction TypeTransfer
Record UpdatedJun 9, 2026

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2517 PEPPER TREE CIR, MCKINNEY, TX 75072-3732

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 BERNARD ST, NAPLES, TX 75568-5880

Mortgage

Document Number000662/592
DateMay 6, 2025
Book Page662/592
Instrument2025-000823
Lender
NameLORETTA SUSAN GAJDICA
TypePrivate Party
Address2517 PEPPER TREE CIR, MCKINNEY, TX 75072
Special NotesSeller Financed
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term31 Months
DueDec 1, 2027

August 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMORRIS TX
Recording DateAug 3, 2022
Property Address118 BERNARD ST, NAPLES, TX 75568-5880
Document Number000615/225
Book / Page615 / 225
Instrument DateJul 29, 2022
Instrument2022-001426
Transaction TypeTransfer
Record UpdatedJan 21, 2026

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2517 PEPPER TREE CIR, MCKINNEY, TX 75072-3732

Transferred To (Grantee/Buyer)

NameVerified Name
Address2517 PEPPER TREE CIR, MCKINNEY, TX 75072-3732

April 2022: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionMORRIS TX
Recording DateApr 4, 2022
Property Address118 BERNARD ST, NAPLES, TX 75568-5880
Document Number000607/545
Book / Page607 / 545
Instrument DateMar 16, 2022
Instrument2022-000561
Transaction TypeTransfer
Record UpdatedJan 21, 2026

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2517 PEPPER TREE CIR, MCKINNEY, TX 75072-3732

Transferred To (Grantee/Buyer)

NameVerified Name
Address2517 PEPPER TREE CIR, MCKINNEY, TX 75072-3732

Tax Assessment & Valuation

Source: Morris County assessment roll, as of January 29, 2026

Property Jurisdictions

TypeName
StateTexas
CountyMorris County
MunicipalityNaples City
Unified School DistrictPewitt Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,326.00 (+49.35%) Homeowner's exemption$173,120 (+49.31%) Land $5,940 Building $167,180$173,120 (+49.31%) Land $5,940 Building $167,180
2025$2,227.00 (+49.56%)$115,950 (+2.15%) Land $5,940 Building $110,010$115,950 (+2.15%) Land $5,940 Building $110,010
2024$113,510 (+15.89%) Land $5,780 Building $107,730$113,510 (+15.89%) Land $5,780 Building $107,730
2023$97,950 Land $5,780 Building $92,170$97,950 Land $5,780 Building $92,170
2022$1,489.00

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

FEMA Flood ZoneNot on file

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

Wildfire

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

Wildfire RiskModerate
above 52% of the US · lower than 72% of Texas
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemCITY OF NAPLES
serves 1,908 people · EPA ID TX1720003
Water SourceGroundwater
Last State InspectionJan 2024
Lead4 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
currently in violation since Oct 2024
Monitoring and Reporting116
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 102 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber		2,000 / 2,000
Spectrum
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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