3497 Bernard St, Hokes Bluff (Gadsden), AL 35903 Property Records

Etowah County property record for 3497 Bernard St, Hokes Bluff, AL 35903

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,831 sqft · built 1975
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Oct 2018)
Tax Bill	$718 (2026)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-04-17-0-001-088.000`

Property Details

APN / Parcel Number

Primary APN	`14-04-17-0-001-088.000`
Alternative APNs	`233659` `26135`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,831 sqft Living Area
1st Floor Area	1,831 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	34,848 sqft (0.8 acres)
Garage Area	912 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	233659
Street Address	3497 BERNARD ST
City	GADSDEN
State	AL
Zip	35903-7516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H/S BASE YEAR BEG INT SE ROW BERNARD ST & NE ROW MARGUERITE ST TH SE 229.8 TH NE 160.5 TH NW 228 TH SW 131.4 TO POB BEING PT LT 17 J T NOOJIN EST PLAT C-44-45 HOKES BLUFF 17-12-7 1188-891,1294-599,1763-33,D-2001-1052,D-2009-3311232 D-2018-3475263
Legal Range	7E
Legal Township	12S
Legal Section	17
Legal Subdivision	NOOJIN, J T EST
Legal Lot Number	PT 7
Jurisdiction	ETOWAH AL
Township / Civil Division	HOKES BLUFF
Census Block Group	3
Census Block	3071
Census Tract	10601

Owner

3497 Bernard St is owned and occupied by an individual who bought it in October 2018.

Source: Etowah County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3497 BERNARD ST, GADSDEN, AL 35903-7516
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2018 · Amount on File
Deed Sale	Oct 25, 2018 · Amount on File
Deed Document Number	20183475263
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ETOWAH AL
Recording Date	Oct 25, 2018
Property Address	3497 BERNARD ST, HOKES BLUFF, AL 35903-7516
Document Number	3475263
Instrument Date	Oct 24, 2018
Instrument	3475263
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	419 LENFORD AVE, 419, GLENCOE, AL 35905-1619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3497 BERNARD ST, GADSDEN, AL 35903-7516

Mortgage

Document Number	3475264
Date	Oct 25, 2018
Instrument	3475264

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3497 Bernard St was $718 with a homeowner's exemption, down 13.5% from the year before.

Source: Etowah County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Etowah County
Municipality	Hokes Bluff City
Unified School District	Etowah County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$718.00 (-13.49%) Homeowner's exemption
2025	$830.00 Homeowner's exemption	$21,460 Land $960 Building $20,500	$214,400 Land $9,500 Building $204,900
2023	$845.00 (+22.29%) Homeowner's exemption	$21,800 (+20.78%) Land $950 Building $20,850	$218,000 (+20.78%) Land $9,500 Building $208,500
2022	$691.00 Homeowner's exemption	$18,050 Land $950 Building $17,100	$180,500 Land $9,500 Building $171,000

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.

Flood

FEMA maps place 3497 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

Wildfire risk around 3497 Bernard St is moderate, ranking above 53% 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 53% of the US · above 65% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

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