818 Bernard Cir, Mobile, AL 36693 Property Records

Mobile County property record for 818 Bernard Cir, Mobile, AL 36693

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,264 sqft · built 1985
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$162,000 (Aug 2014)
Tax Bill	$1,008 (2025)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R022807353003064`

Property Details

APN / Parcel Number

Primary APN	`R022807353003064`
Alternative APNs	`28 07 35 3 003 064.XXX` `01501592` `1501592`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,264 sqft Living Area
1st Floor Area	2,264 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1998
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	306 sqft
Utility Building	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1501592
Old Parcel Number	R022807353003064
Street Address	818 BERNARD CIR
City	MOBILE
State	AL
Zip	36693-3601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 JAPONICA ESTS 2BD ADD MBK 23/27 T4S R2W #SEC 35 T4S R2W #MP28 07 35 3 003
Legal Range	02W
Legal Township	04S
Legal Section	35
Legal Subdivision	JAPONICA ESTS 2BD ADD
Legal Lot Number	9
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	2
Census Block	2007
Census Tract	3100

Owner

Source: Mobile County records · APN R022807353003064

Assessment roll updated January 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	818 BERNARD CIR, MOBILE, AL 36693-3601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 18, 2014 · Amount on Record
Deed Sale	Aug 18, 2014 · Amount on Record
Prior Sale	Oct 24, 2007
Deed Document Number	2014041203
Deed Book / Page	7178 / 939
Record Updated	Jun 08, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	818 BERNARD CIR, MOBILE, AL 36693-3601
Transaction Type	Mortgage
Record Updated	Aug 07, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043545
Date	Jul 21, 2023
Instrument	2023043545

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Tax Assessment & Valuation

Source: Mobile County records · Assessment roll updated January 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Mobile County
Municipality	Mobile City
Unified School District	Mobile County 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
2025	$1,008.00 (+7.12%) Homeowner's exemption Senior Citizen's exemption	$18,350 (+7.62%) Land $3,000 Building $15,350	$183,500 (+7.62%) Land $30,000 Building $153,500
2024	$941.00 (+45.89%) Homeowner's exemption Senior Citizen's exemption	$17,050 (+44%) Land $3,000 Building $14,050	$170,500 (+44%) Land $30,000 Building $140,500
2023	$645.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$11,840 Land $3,400 Building $8,440	$118,400 Land $34,000 Building $84,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 1, 2025 · 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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	16 (1979–2014)
Claims Outside the SFHA	8 of 16
Most Recent Claim	Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

Wildfire

Wildfire Risk	Low lower than 65% of the US · lower than 81% of Alabama
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 309 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.