12518 Kramer Rd, Farley, IA 52046 Property Records

Dubuque County property record for 12518 Kramer Rd, Farley, IA 52046

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,764 sqft · built 2020
Lot Size	1.44 acres (62,726 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,458 (2024)
Deeds & Mortgages	Sep 2020 Construction Loan May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-36-276-002`

Property Details

APN / Parcel Number

Primary APN	`07-36-276-002`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,764 sqft Living Area
Basement Area	1,764 sqft
Finished Basement	147 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	62,726 sqft (1.44 acres)
Garage Type	Attached
Garage Area	1,324 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	12518 KRAMER RD
City	FARLEY
State	IA
Zip	52046-8441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 SE NE - SEC 36 T89N R2W;
Legal Range	02W
Legal Township	89N
Legal Section	36
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	NEW WINE
Census Block Group	2
Census Block	2068
Census Tract	10400

Owner

12518 Kramer Rd is owned and occupied by two individuals who acquired it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	12518 KRAMER RD, FARLEY, IA 52046-8441
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
Sep 18, 2020	Deed of Trust, Mortgage · Construction Mortgage MIDWESTONE BANK
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2020
Deed Sale	Jun 29, 2020
Deed Document Number	2020-00009102
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	12518 KRAMER RD, FARLEY, IA 52046-8441
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 2ND AVE SW, FARLEY, IA 52046-9509

Mortgage

Document Number	0000014171
Date	Sep 18, 2020
Instrument	2020-00014171

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Margin	3
Max Rate	9.25%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	12518 KRAMER RD, FARLEY, IA 52046-8441
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008040
Date	May 19, 2021
Instrument	2021-00008040

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	EPWORTH, IA 52045

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

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	Western Dubuque County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$472,100 Land $65,200 Building $406,900	$472,100 Land $65,200 Building $406,900
2024	$4,458.00
2023		$425,800 (+26.04%) Land $62,100 Building $363,700	$425,800 Land $62,100 Building $363,700
2022	$3,984.00 Homeowner's exemption	$337,830 Land $47,800 Building $290,030
2021			$337,830 Land $47,800 Building $290,030

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

Flood

FEMA maps place 12518 Kramer Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective August 9, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1999–2010)
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 2 claims

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 12518 Kramer Rd 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	None beyond ember reach

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

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

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