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821 Bernard Cir, Mobile, AL 36693 Property Records

Mobile County property record for 821 Bernard Cir, Mobile, AL 36693

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,608 sqft · built 1998
Lot Size1 acres (43,560 sqft)
Owner2 Individual Names on Record
Last Sale$290,000 (Feb 2023)
Tax Bill$1,404 (2025)
Deeds & MortgagesJan 2022 Second Mortgage
Feb 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNR022807353003054

Property Details

APN / Parcel Number

Primary APNR022807353003054
Alternative APNs
  • 28 07 35 3 003 054.XXX
  • 00567247
  • 567247

Interior

Full Baths3 Baths
Total Rooms8 Rooms
Stories2 Stories
Building Area2,608 sqft Living Area
1st Floor Area1,328 sqft
Upper Floors Area1,280 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area43,560 sqft (1 acres)
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area328 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number567247
Street Address821 BERNARD CIR
CityMOBILE
StateAL
Zip36693-3601
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 20 JAPONICA ESTS 2ND UNIT MBK 23 P 27 #SEC 35 T4S R2W #MP28 07 35 3 003
Legal Range04S
Legal Township04S
Legal Section35
Legal SubdivisionJAPONICA ESTS 2ND
Legal Lot Number20
JurisdictionMOBILE AL
Township / Civil DivisionMOBILE
Census Block Group2
Census Block2007
Census Tract3100

Owner

Source: Mobile County records, as of September 15, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address821 BERNARD CIR, MOBILE, AL 36693-3601
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 26, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
FREEDOM MORTGAGE CORP
Feb 14, 2023Warranty Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 22, 2019Warranty Deed, Transfer · FHA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 14, 2023 · Amount on Record
Deed SaleFeb 14, 2023 · Amount on Record
Prior SaleAug 22, 2019 · Amount on Record
Deed Document Number20237860
Prior Transfer DateSep 13, 2013
Prior Transfer Doc0000050918
Record UpdatedOct 29, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMOBILE AL
Property Address821 BERNARD CIR, MOBILE, AL 36693-3601
Transaction TypeMortgage
Record UpdatedMay 30, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address821 BERNARD CIR, MOBILE, AL 36693-3601

Mortgage

Document Number0000006567
DateJan 26, 2022
Instrument2022006567
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term332 Months
DueSep 1, 2049

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateFeb 14, 2023
Property Address821 BERNARD CIR, MOBILE, AL 36693-3601
Document Number0000007860
Map ReferenceMB 23 PG 27
Instrument DateFeb 13, 2023
Instrument2023007860
Transaction TypeTransfer
Record UpdatedMay 30, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address613 YOUNG NECK RD, MOBILE, AL 36608-9041

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address821 BERNARD CIR, MOBILE, AL 36693-3601

Mortgage

Document Number0000007861
DateFeb 14, 2023
Instrument2023007861
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2053

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateAug 22, 2019
Property Address821 BERNARD CIR, MOBILE, AL 36693-3601
Document Number0000049388
Map ReferenceMB 23 PG 27
Instrument DateAug 19, 2019
Instrument2019049388
Transaction TypeTransfer
Record UpdatedSep 14, 2021
Title CompanySTEWART TITLE OF ALABAMA LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address30137 W FAIRMOUNT AVE, 30137, BUCKEYE, AZ 85396-2184

Transferred To (Grantee/Buyer)

NameVerified Name
Address821 BERNARD CIR, MOBILE, AL 36693-3601

Mortgage

Document Number0000049389
DateAug 22, 2019
Instrument2019049389
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2049

Tax Assessment & Valuation

Source: Mobile County assessment roll, as of September 15, 2026

Property Jurisdictions

TypeName
StateAlabama
CountyMobile County
MunicipalityMobile City
Unified School DistrictMobile County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,404.00 (+5.72%) Homeowner's exemption$23,010 (+5.45%) Land $3,000 Building $20,010$230,100 (+5.45%) Land $30,000 Building $200,100
2024$1,328.00 (+7.1%) Homeowner's exemption$21,820 (+6.8%) Land $3,000 Building $18,820$218,200 (+6.8%) Land $30,000 Building $188,200
2023$1,240.00 Homeowner's exemption$20,430 Land $3,400 Building $17,030$204,300 Land $34,000 Building $170,300

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

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims16 (1979–2014)
Claims Outside the SFHA8 of 16
Most Recent ClaimApr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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

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

Wildfire RiskLow
lower than 65% of the US · lower than 81% of Alabama
Wildfire Likelihood0.05% annual chance
ExposureNone
beyond ember reach

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 SystemCITY OF MOBILE, BD. OF W&S COMM. OF THE
serves 279,000 people · EPA ID AL0001005
Water SourceSurface water
Last State InspectionSep 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2023
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 309 locations within half a mile, as of December 31, 2025

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

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