1059 Spruce St, Dubuque, IA 52001 Property Records

Dubuque County property record for 1059 Spruce St, Dubuque, IA 52001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,778 sqft · built 1860
Lot Size	0.043 acres (1,860 sqft)
Owner	Individual Name on Record
Last Sale	$106,500 (Aug 2020)
Tax Bill	$1,334 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-24-386-006`

Property Details

APN / Parcel Number

Primary APN	`10-24-386-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,778 sqft Living Area
1st Floor Area	616 sqft
Upper Floors Area	330 sqft
Attic	Attic
Attic Area	216 sqft
Basement Area	616 sqft
Unfinished Basement	154 sqft
Game Room	Game Room
Interior Walls	Unfinished

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1872
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	1,860 sqft (0.043 acres)
Lot Dimensions	60 ft deep x 31 ft wide
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1059 SPRUCE ST
City	DUBUQUE
State	IA
Zip	52001-6247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	N.31' OF LOT 22 & N.31' OF W.10.5' OF LOT 23 FARLEYS SUB.
Legal Range	02E
Legal Township	89N
Legal Section	24
Legal Subdivision	LINCOLN
Legal Lot Number	22,23
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	2
Census Block	2009
Census Tract	701

Owner

Source: Dubuque County records, as of December 23, 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
Mailing Address	1059 SPRUCE ST, DUBUQUE, IA 52001-6247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOUSING FIN AUTH
Aug 21, 2020	Warranty Deed, Transfer · Conventional Mortgage RUHL MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Deed Document Number	202012471
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1059 SPRUCE ST, DUBUQUE, IA 52001-6247
Document Number	0000012473
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1059 SPRUCE ST DUBUQUE IA 520016247, DUBUQUE, IA 52001-6247

Mortgage

Document Number	0000012473
Date	Aug 21, 2020
Instrument	12473

Lender

Name	HOUSING FIN AUTH
Address	DES MOINES, IA 50315

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 21, 2020
Property Address	1059 SPRUCE ST, DUBUQUE, IA 52001-6247
Document Number	0000012471
Instrument Date	Aug 21, 2020
Instrument	2020-00012471
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1059 SPRUCE ST, DUBUQUE, IA 52001-6247

Mortgage

Document Number	0000012472
Date	Aug 21, 2020
Instrument	2020-00012472

Lender

Name	RUHL MORTGAGE LLC
Type	Mortgage Company
Address	MOLINE, IL 61265

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of October 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,334.00	$127,500 (+10.87%) Land $9,800 Building $117,700	$127,500 (+10.87%) Land $9,800 Building $117,700
2024	$1,334.00 (-22.08%)
2023		$115,000 (+15.88%) Land $9,800 Building $105,200	$115,000 (+15.88%) Land $9,800 Building $105,200
2022	$1,712.00	$99,240 Land $7,350 Building $91,890
2021			$99,240 Land $7,350 Building $91,890

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 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	Not rated no burnable land within 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 System	DUBUQUE WATER WORKS serves 59,667 people · EPA ID IA3126052
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 616 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
CenturyLink DSL	140 / 20

May also be available: AT&T, Comelec Internet Services, Nextlink, Verizon.

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