425 Bernard Ave, Ama, LA 70031 Property Records

St. Charles Parish property record for 425 Bernard Ave, Ama, LA 70031

Property Summary

Property Type	Single Family Home
Details	1,550 sqft · built 1979
Lot Size	0.16 acres (6,970 sqft)
Owner	Owner Name on File
Tax Bill	$804 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2017 Mortgage + 2 more
APN	`2-047 00J 00019`

Property Details

APN / Parcel Number

Primary APN	`2-047 00J 00019`

Interior

Building Area	1,550 sqft Living Area

Exterior

Year Built	Built 1979
Lot Area	6,970 sqft (0.16 acres)

Location & Zoning

Street Address	425 BERNARD AVE
City	AMA
State	LA
Zip	70031-2119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19, BLK. J, ADD. 1 TO SELLERS VILLAGE
Legal Subdivision	AMA - SELLERS VILLAGE
Legal Block	J
Legal Lot Number	19
Jurisdiction	ST CHARLES LA
Township / Civil Division	2
Census Block Group	1
Census Block	1006
Census Tract	63000

Owner

The current owner of 425 Bernard Ave acquired it in March 2004.

Source: St. Charles Parish records, as of February 6, 2026

Owner of Record	Owner Name on File
Mailing Address	425 BERNARD AVE, AMA, LA 70031-2119
Occupancy	Owner Occupied

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
Nov 3, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Jul 31, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Dec 2, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Sep 18, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 4, 2004
Transfer Doc	0006320816
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES LA
Property Address	425 BERNARD AVE, AMA, LA 70031-2119
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019670050
Date	Nov 3, 2021
Book Page	1967/50
Instrument	463044

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES LA
Property Address	425 BERNARD AVE, AMA, LA 70031-2119
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017270760
Date	Jul 31, 2017
Book Page	1727/760
Instrument	425788

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES LA
Property Address	425 BERNARD AVE, AMA, LA 70031-2119
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018360698
Date	Dec 2, 2019
Book Page	1836/698
Instrument	445342

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES LA
Property Address	425 BERNARD AVE, AMA, LA 70031-2119
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018850385
Date	Sep 18, 2020
Book Page	1885/385
Instrument	452154

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 425 Bernard Ave was $804 with a homeowner's exemption, down 1.6% from the year before.

Source: St. Charles Parish assessment roll, as of October 15, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$804.00 (-1.59%) Homeowner's exemption	$15,460 (-) Land $3,030 Building $12,430	$154,600 (-) Land $30,300 Building $124,300
2024	$817.00 (+33.5%) Homeowner's exemption	$15,460 (+19.01%) Land $3,030 Building $12,430	$154,600 (+19.01%) Land $30,300 Building $124,300
2023	$612.00 (-4.52%) Homeowner's exemption	$12,990 (-) Land $3,690 Building $9,300	$129,900 (-) Land $36,900 Building $93,000
2022	$641.00 Homeowner's exemption	$12,990 Land $3,690 Building $9,300	$129,900 Land $36,900 Building $93,000

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

Flood

FEMA has no flood map on file for 425 Bernard Ave; there have been 52 flood claims nearby since 1989.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 135 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	135 in force
Nearby Flood Claims	52 (1989–2026)
Claims Outside the SFHA	37 of 52
Most Recent Claim	Jun 2026 · Tropical Storm Arthur
Claims by Event	Hurricane Ida, Aug 2021 · 11 claims Hurricane Katrina, Aug 2005 · 24 claims Severe Storms And Flooding, May 1995 · 5 claims

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 425 Bernard Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 69% of Louisiana
Wildfire Likelihood	0.02% annual chance
Exposure	Direct 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 System	ST CHARLES PARISH DEPT OF WATERWORKS serves 52,879 people · EPA ID LA1089001
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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