10103 Birch St, Bernard, IA 52032 Property Records

Jackson County property record for 10103 Birch St, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,232 sqft · built 1970
Lot Size	0.635 acres (27,648 sqft)
Owner	Individual Name on File
Tax Bill	$2,416 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`290519353012000`

Property Details

APN / Parcel Number

Primary APN	`290519353012000`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	384 sqft
Basement Area	1,232 sqft
Finished Basement	800 sqft
Unfinished Basement	1,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	27,648 sqft (0.635 acres)
Lot Dimensions	180 ft deep x 189 ft wide
Garage Type	Attached
Garage Area	1,296 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Deck Area	216 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10103 BIRCH ST
City	BERNARD
State	IA
Zip	52032-9230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7,8,9 & 10 SCHWENKER'S 13TH ADD SURV 1B-32
Legal Range	02E
Legal Township	86N
Legal Section	19
Legal Subdivision	SCHWENKER'S ADD
Legal Lot Number	7-10
Jurisdiction	JACKSON IA
Township / Civil Division	OTTER CREEK
Census Block Group	2
Census Block	2059
Census Tract	950100

Owner

10103 Birch St, a single family home, is owned by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	103 N 5TH ST, BELLEVUE, IA 52031-1501
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

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage DUTRAC COMMUNITY CU
Dec 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FIDELITY BANK & TRUST NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IA
Property Address	10103 BIRCH ST, BERNARD, IA 52032-9230
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000211497
Date	Apr 8, 2021
Instrument	21-1497

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 7, 2036

Interest

Rate Type	Fixed Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IA
Recording Date	Dec 1, 2021
Property Address	10103 BIRCH ST, BERNARD, IA 52032-9230
Document Number	0000214951
Map Reference	BK 1-B PG 32
Instrument Date	Dec 1, 2021
Instrument	21-4951
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 N 5TH ST, BELLEVUE, IA 52031-1501

Mortgage

Document Number	0000214953
Date	Dec 1, 2021
Instrument	21-4953

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 10103 Birch St was $2,416.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Jackson County
Unified School District	Maquoketa Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,416.00	$266,500 (+17.19%) Land $7,900 Building $258,600	$266,500 (+17.19%) Land $7,900 Building $258,600
2025	$2,416.00 (+30.74%)	$227,400 Land $7,900 Building $219,500	$227,400 Land $7,900 Building $219,500
2024	$1,848.00
2023		$158,500 Land $7,900 Building $150,600	$158,500 Land $7,900 Building $150,600
2022	$1,558.00

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

Flood

FEMA maps place 10103 Birch St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 10103 Birch St 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 93% of the US · above 40% of Iowa
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.

Internet Providers

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

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

Cell Coverage

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

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