10397 MacKenzie Rdg, Dubuque, IA 52003 Property Records

Dubuque County property record for 10397 MacKenzie Rdg, Dubuque, IA 52003

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 2,386 sqft · built 2022
Lot Size	1.05 acres (46,174 sqft)
Owner	Individual Name on Record
Last Sale	$77,000 (Aug 2021)
Tax Bill	$9,474 (2024)
Deeds & Mortgages	Oct 2022 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-10-428-003`

Property Details

APN / Parcel Number

Primary APN	`15-10-428-003`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Half Baths	4 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,386 sqft Living Area
Basement Area	2,386 sqft
Finished Basement	2,089 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	46,174 sqft (1.05 acres)
Garage Type	Attached
Garage Area	1,051 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Patio Area	428 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	10397 MACKENZIE RDG
City	DUBUQUE
State	IA
Zip	52003-8111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 OAKLAND RIDGE ESTATES;
Legal Subdivision	OAKLAND RDG ESTATES
Legal Lot Number	3
Jurisdiction	DUBUQUE IA
Township / Civil Division	TABLE MOUND
Census Block Group	3
Census Block	3003
Census Tract	10105

Owner

Source: Dubuque County records, as of October 6, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10397 MACKENZIE RDG, DUBUQUE, IA 52003-8111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Deed of Trust, Mortgage · Line of Credit PREMIER BANK
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
Sep 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
Aug 25, 2021	Warranty Deed, Transfer · Line of Credit PREMIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	2021-00014122
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	10397 MACKENZIE RDG, DUBUQUE, IA 52003-8111
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012532
Date	Oct 7, 2022
Instrument	2022-00012532

Lender

Name	PREMIER BANK
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 6, 2042

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	10397 MACKENZIE RDG, DUBUQUE, IA 52003-8111
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002779
Date	Feb 28, 2022
Instrument	2022-00002779

Lender

Name	PREMIER BANK
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Mar 1, 2023

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	10397 MACKENZIE RDG, DUBUQUE, IA 52003-8111
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10397 MACKENZIE RDG, DUBUQUE, IA 52003-8111
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011961
Date	Sep 26, 2022
Instrument	2022-00011961

Lender

Name	PREMIER BANK
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 25, 2021
Property Address	10397 MACKENZIE RDG, DUBUQUE, IA 52003-8111
Document Number	0000014122
Instrument Date	Aug 13, 2021
Instrument	2021-00014122
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	102 RUSTIC HILLS CIR, DENVER, IA 50622-9700
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014123
Date	Aug 25, 2021
Instrument	2021-00014123

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 25, 2031

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$840,100 (+2.44%) Land $101,500 Building $738,600	$840,100 (+2.44%) Land $101,500 Building $738,600
2024	$9,474.00 (+6,216%)
2023		$820,100 (+7,636.79%) Land $96,600 Building $723,500	$820,100 (+7,636.79%) Land $96,600 Building $723,500
2022	$150.00	$10,600 Land $10,600
2021			$10,600 Land $10,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 9, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Maquoketa Valley Electric Cooperative Fiber	1,000 / 1,000

May also be available: Comelec Internet Services.

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