12121 Whispering Meadows Dr, Dubuque, IA 52003 Property Records

Dubuque County property record for 12121 Whispering Meadows Dr, Dubuque, IA 52003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,545 sqft · built 2010
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Mar 2010)
Tax Bill	$4,454 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-21-276-004`

Property Details

APN / Parcel Number

Primary APN	`15-21-276-004`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,545 sqft Living Area
Basement Area	1,545 sqft
Finished Basement	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Garage Area	755 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12121 WHISPERING MEADOWS DR
City	DUBUQUE
State	IA
Zip	52003-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 WHISPERING MEADOWS SUB;
Legal Range	02E
Legal Township	88N
Legal Section	21
Legal Subdivision	WHISPERING MEADOWS SUB
Legal Lot Number	3
Jurisdiction	DUBUQUE IA
Township / Civil Division	TABLE MOUND
Census Block Group	3
Census Block	3022
Census Tract	10105

Owner

12121 Whispering Meadows Dr is owned and occupied by an individual who acquired it in October 2022.

Source: Dubuque County records, as of December 23, 2025

Owner of Record	Individual Name on File
Mailing Address	12121 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9504
Occupancy	Owner Occupied
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
Jun 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN TRUST & SAVINGS BANK
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Oct 11, 2022	Intrafamily Transfer, Transfer
Apr 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GREENSTATE CU
Aug 31, 2017	Warranty Deed, Transfer · Conventional Mortgage DUBUQUE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2010 · Amount on File
Deed Sale	Mar 29, 2010 · Amount on File
Deed Document Number	20103939
Last Transfer Date	Oct 7, 2022
Transfer Doc	0000012599
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	12121 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9504
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007343
Date	Jun 20, 2017
Instrument	2017-00007343

Lender

Name	AMERICAN TRUST & SAVINGS BANK
Type	Bank
Address	DUBUQUE, IA 52004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	12121 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9504
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012795
Date	Oct 17, 2022
Instrument	2022-00012795

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 16, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DUBUQUE IA
Recording Date	Oct 11, 2022
Property Address	12121 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9504
Document Number	0000012599
Instrument Date	Oct 7, 2022
Instrument	2022-00012599
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12121 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9504

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DUBUQUE IA
Recording Date	Apr 30, 2020
Property Address	12121 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9504
Document Number	0000005298
Instrument Date	Mar 31, 2020
Instrument	2020-00005298
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12121 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9504

Mortgage

Document Number	0000005299
Date	Apr 30, 2020
Instrument	2020-00005299

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 5, 2035

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 31, 2017
Property Address	12121 WHISPERING MEADOWS DR, DUBUQUE, IA 52003-9504
Document Number	0000010841
Instrument Date	Aug 31, 2017
Instrument	10841
Transaction Type	Transfer
Record Updated	May 3, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12121 WHISPERING MEADOWS DR DUBUQUE IA 520039504, DUBUQUE, IA 52003-9504

Mortgage

Document Number	10842
Date	Aug 31, 2017
Instrument	10842

Lender

Name	DUBUQUE BK&TR
Type	Bank
Address	2196 HOLLIDAY DR, DUBUQUE, IA 52002-0482

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12121 Whispering Meadows Dr was $4,454 with a homeowner's exemption.

Source: Dubuque County assessment roll, as of October 7, 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	$4,454.00 Homeowner's exemption	$424,800 Land $67,400 Building $357,400	$424,800 Land $67,400 Building $357,400
2024	$4,454.00
2023		$399,400 (+23.69%) Land $64,200 Building $335,200	$399,400 Land $64,200 Building $335,200
2022	$4,396.00 Homeowner's exemption	$322,910 Land $53,500 Building $269,410
2021			$322,910 Land $53,500 Building $269,410

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

Flood

FEMA maps place 12121 Whispering Meadows Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12121 Whispering Meadows Dr is low, with a 0.01% annual chance of 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 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, Nextlink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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