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10003 Cedar St, Bernard, IA 52032 Property Records

Jackson County property record for 10003 Cedar St, Bernard, IA 52032

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,380 sqft · built 2024
Lot Size0.455 acres (19,800 sqft)
OwnerIndividual Name on Record
Last Sale$68,000 (Jul 2023)
Tax Bill$2,194 (2026)
Deeds & MortgagesJan 2024 Sale
May 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN050424489005000

Property Details

APN / Parcel Number

Primary APN050424489005000

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories1 Story
Building Area1,380 sqft Living Area
FlooringCarpet
Interior WallsWallboard/Drywall
IntercomIntercom

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialMetal
Construction TypeConcrete
Foundation TypeConcrete
Roof TypeGable
Roof MaterialMetal
Lot Area19,800 sqft (0.455 acres)
Lot Dimensions180 ft deep x 110 ft wide
Garage TypeAttached
Garage Area1,354 sqft
Parking Spaces5 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area600 sqft
Deck AreaDeck Area
Shed1 Shed
Lean-ToLean-To

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerSeptic
Water SourceWell

Location & Zoning

Street Address10003 CEDAR ST
CityBERNARD
StateIA
Zip52032-9347
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 5,6,13 & 14 BLK 9 UNIT 2 LEISURE LAKE EST
Legal Range01E
Legal Township86N
Legal Section24
Legal SubdivisionLEISURE LAKE ESTATES UNIT TWO
Legal Block9
Legal Lot Number5-6
JurisdictionJACKSON IA
Township / Civil DivisionBUTLER
Census Block Group2
Census Block2057
Census Tract950100

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address2647 CASCADE DR, DUBUQUE, IA 52003
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 29, 2024Special Warranty Deed, Transfer
May 26, 2017Deed of Trust, Mortgage · VA Mortgage
ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 10, 2023 · Amount on Record
Deed SaleJul 10, 2023 · Amount on Record
Prior SaleJun 12, 2023 · Amount on Record
Deed Document Number20231793
Prior Transfer DateMay 16, 2023
Prior Transfer Doc0000001510
Record UpdatedOct 29, 2026

January 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionJACKSON IA
Recording DateJan 29, 2024
Property Address10003 CEDAR ST, BERNARD, IA 52032-9347
Document Number0000024228
Map ReferenceMB 1 PG 89
Instrument DateJan 17, 2024
Instrument24-228
Transaction TypeTransfer
Record UpdatedFeb 29, 2024

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address810 VERMONT AVE NW, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

NameVerified Name
Address10003 CEDAR ST, BERNARD, IA 52032-9347

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON IA
Property Address10003 CEDAR ST, BERNARD, IA 52032-9347
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2017/1839
DateMay 26, 2017
Book Page2017/1839
Instrument17-1839
Lender
NameROYAL UNITED MORTGAGE LLC
TypeMortgage Company
AddressINDIANAPOLIS, IN 46250
Agreement
TypeVA Mortgage

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of October 10, 2025

Property Jurisdictions

TypeName
StateIowa
CountyJackson County
Unified School DistrictWestern Dubuque County Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,194.00$216,100 (-) Land $6,200 Building $209,900$216,100 (-) Land $6,200 Building $209,900
2025$2,194.00 (+56.27%)$216,100 (+65.34%) Land $6,200 Building $209,900$216,100 (+65.34%) Land $6,200 Building $209,900
2024$1,404.00
2023$130,700 Land $6,200 Building $124,500$130,700 Land $6,200 Building $124,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 27, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 91% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Bernard Telephone Company
Fiber		1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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