Etowah County property record for 3475 Bernard St, Hokes Bluff, AL 35903
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,819 sqft · built 1990 |
| Lot Size | 0.91 acres (39,640 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $562 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-05-16-0-001-043.002 |
| Primary APN | 14-05-16-0-001-043.002 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,819 sqft Living Area |
| 1st Floor Area | 1,724 sqft |
| 2nd Floor Area | 95 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Masonite |
| Foundation Type | Crossed Walls |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 39,640 sqft (0.91 acres) |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 096074 |
|---|---|
| Street Address | 3475 BERNARD ST |
| City | GADSDEN |
| State | AL |
| Zip | 35903-7516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H/S BASE YEAR COM INT S ROW OF HWY 278 E & E ROW OF BERNARD ST TH S 35S ALONG BERNARD ST TO POB TH S 160S ALONG TH SW 40 ALONG ROW TH SE 213 TH NE 200S TO S ROW OF HWY 278 E TH NW 52 ALONG ROW TH TH NW 150S TO POB BEING PT LT 17 J T NOOJIN EST PLAT C |
| Legal Range | 7E |
| Legal Township | 12S |
| Legal Section | 16 |
| Legal Subdivision | J T NOOJIN ESTATE |
| Legal Lot Number | 17 |
| Jurisdiction | ETOWAH AL |
| Township / Civil Division | HOKES BLUFF |
| Census Block Group | 3 |
| Census Block | 3071 |
| Census Tract | 10601 |
3475 Bernard St is owned and occupied by two individuals.
Source: Etowah County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 4252, GADSDEN, AL 35904-0252 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3475 Bernard St was $562 with a homeowner's exemption, down 12.7% from the year before.
Source: Etowah County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Etowah County |
| Municipality | Hokes Bluff City |
| Unified School District | Etowah County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $562.00 (-12.73%) Homeowner's exemption | ||
| 2025 | $644.00 Homeowner's exemption | $16,920 Land $1,000 Building $15,920 | $169,100 Land $9,900 Building $159,200 |
| 2023 | $644.00 (+22.2%) Homeowner's exemption | $16,910 (+20.44%) Land $990 Building $15,920 | $169,100 (+20.44%) Land $9,900 Building $159,200 |
| 2022 | $527.00 Homeowner's exemption | $14,040 Land $990 Building $13,050 | $140,400 Land $9,900 Building $130,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3475 Bernard St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · 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 |
| Nearby Flood Policies | 1 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 risk around 3475 Bernard St is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 72% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOKES BLUFF WATER BOARD serves 5,536 people · EPA ID AL0000581 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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