12046 Whispering Meadows Dr, Dubuque, IA 52003 Property Records

Dubuque County property record for 12046 Whispering Meadows Dr, Dubuque, IA 52003

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,745 sqft · built 2012
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$397,000 (May 2020)
Tax Bill	$6,006 (2024)
Deeds & Mortgages	Mar 2020 Sale Jan 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-21-276-011`

Property Details

APN / Parcel Number

Primary APN	`15-21-276-011`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,745 sqft Living Area
1st Floor Area	2,521 sqft
Basement Area	2,521 sqft
Finished Basement	1,152 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	964 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	282 sqft
Patio Area	606 sqft
Gazebo	100 sqft
Sports Court	Sports Court

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Geothermal

Location & Zoning

Street Address	12046 WHISPERING MEADOWS DR
City	DUBUQUE
State	IA
Zip	52003-9540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 WHISPERING MEADOWS SUB;
Legal Range	02E
Legal Township	88N
Legal Section	21
Legal Subdivision	WHISPERING MEADOWS SUB
Legal Lot Number	10
Jurisdiction	DUBUQUE IA
Township / Civil Division	TABLE MOUND
Census Block Group	3
Census Block	3022
Census Tract	10105

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12046 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2020	Warranty Deed, Transfer NOT AVAILABLE
Jan 5, 2018	Deed, Transfer · Conventional Mortgage DUTRAC COMMUNITY CU
Jan 5, 2018	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2020 · Amount on Record
Deed Sale	May 14, 2020 · Amount on Record
Prior Sale	Jan 5, 2018 · Amount on Record
Deed Document Number	0000203595
Prior Transfer Date	Mar 27, 2020
Prior Transfer Doc	2020-00003595
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Mar 27, 2020
Property Address	12046 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9540
Document Number	0000003595
Instrument Date	May 14, 2019
Instrument	3595
Transaction Type	Transfer
Record Updated	Apr 13, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$634.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12046 WHISPERING MEADOWS DR DUBUQUE IA 520039540, DUBUQUE, IA 52003-9540

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jan 5, 2018
Property Address	12046 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9540
Document Number	0000000176
Instrument Date	Dec 29, 2017
Instrument	2018-00000176
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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	12046 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9540

Mortgage

Document Number	0000000177
Date	Jan 5, 2018
Instrument	2018-00000177

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

January 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	DUBUQUE IA
Recording Date	Jan 5, 2018
Property Address	12046 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9540
Document Number	0000000175
Instrument Date	Dec 29, 2017
Instrument	175
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12046 WHISPERING MEADOWS DR DUBUQUE IA 520039540, DUBUQUE, IA 52003-9540

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		$573,900 (+9.59%) Land $67,400 Building $506,500	$573,900 (+9.59%) Land $67,400 Building $506,500
2024	$6,006.00 (+1.93%)
2023		$523,700 (+23.15%) Land $64,200 Building $459,500	$523,700 (+23.15%) Land $64,200 Building $459,500
2022	$5,892.00 Homeowner's exemption	$425,250 Land $53,500 Building $371,750
2021			$425,250 Land $53,500 Building $371,750

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	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Maquoketa Valley Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Comelec Internet Services, Nextlink.

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