2973 E LA 46, Saint Bernard, LA 70085 Property Records

St. Bernard Parish property record for 2973 E LA 46, Saint Bernard, LA 70085

Property Summary

Property Type	Rural Home
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,303 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`639900002983`

Property Details

APN / Parcel Number

Primary APN	`639900002983`

Exterior

Lot Area	174,240 sqft (4 acres)

Location & Zoning

Street Address	2973 E LA 46
City	SAINT BERNARD
State	LA
Zip	70085-5141
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOTS E-1, KENILWORTH PLANT. BEING A RESUB. OF PARCEL E (BEING A PORTION OF ORIGINAL PARCEL A). LOTS SIT ON NORTH SIDE OF NEW
Legal Subdivision	ODD PLOTS
Legal Lot Number	E,1
Jurisdiction	ST BERNARD LA
Township / Civil Division	E
Census Block Group	1
Census Block	1002
Census Tract	30104

Owner

Source: St. Bernard Parish records · APN 639900002983

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	2973 E LA 46, SAINT BERNARD, LA 70085-5141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Nov 17, 2017	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

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

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST BERNARD LA
Property Address	2973 E LA 46, SAINT BERNARD, LA 70085-5141
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002025/744
Date	Feb 25, 2022
Book Page	2025/744
Instrument	648652

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST BERNARD LA
Property Address	2973 E LA 46, SAINT BERNARD, LA 70085-5141
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1853/184
Date	Nov 17, 2017
Book Page	1853/184
Instrument	613002

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

Tax Assessment & Valuation

Source: St. Bernard Parish records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Louisiana
County	St. Bernard Parish
Unified School District	St. Bernard Parish School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$16,020 (-) Land $1,620 Building $14,400	$160,200 (-) Land $16,200 Building $144,000
2025	$1,303.00 Homeowner's exemption	$16,020 (-4.19%) Land $1,620 Building $14,400	$160,200 (-4.19%) Land $16,200 Building $144,000
2024	$1,303.00 (-8.24%)
2023	$1,420.00 Homeowner's exemption	$16,720 Land $1,120 Building $15,600	$167,200 Land $11,200 Building $156,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	2.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 241 policies
Nearby Flood Policies	241 in force
Nearby Flood Claims	194 (1980–2024)
Claims Outside the SFHA	132 of 194
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Hurricane Ida, Aug 2021 · 2 claims Hurricane Isaac, Aug 2012 · 5 claims Hurricane Katrina, Aug 2005 · 172 claims

Wildfire

Wildfire Risk	Low lower than 63% of the US · above 58% of Louisiana
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Based on FCC filings for 57 locations within half a mile of this property.

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