Dubuque County property record for 12686 Whispering Rdg, Dubuque, IA 52002
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,888 sqft · built 1995 |
| Lot Size | 0.789 acres (34,412 sqft) |
| Owner | Individual Name on File |
| Last Sale | $324,000 (Jul 2019) |
| Tax Bill | $3,510 (2024) |
| Deeds & Mortgages | Nov 2021 Line of Credit Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-33-303-003 |
| Primary APN | 06-33-303-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,888 sqft Living Area |
| 1st Floor Area | 1,664 sqft |
| Basement Area | 1,664 sqft |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood Frame |
| Lot Area | 34,412 sqft (0.789 acres) |
| Garage Type | Attached |
| Garage Area | 772 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 156 sqft |
| Deck Area | 180 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Geothermal |
| Street Address | 12686 WHISPERING RDG |
|---|---|
| City | DUBUQUE |
| State | IA |
| Zip | 52002-9754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CO |
| Legal Description | LOT 7 WHISPERING HILLS EST #2; |
| Legal Subdivision | WHISPERING HILLS EST |
| Legal Lot Number | 7 |
| Jurisdiction | DUBUQUE IA |
| Township / Civil Division | PERU |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 10600 |
12686 Whispering Rdg is owned and occupied by an individual who bought it in July 2019.
Source: Dubuque County records, as of October 6, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 12686 WHISPERING RDG, DUBUQUE, IA 52002-9754 |
| 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.
| Date | Document |
|---|---|
| Nov 9, 2021 | Deed of Trust, Mortgage · Line of Credit FIDELITY BANK & TRUST |
| Apr 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST |
| Jul 1, 2019 | Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2019 · Amount on File |
| Deed Sale | Jul 1, 2019 · Amount on File |
| Deed Document Number | 2019-00006814 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 12686 WHISPERING RDG, DUBUQUE, IA 52002-9754 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12686 WHISPERING RDG, DUBUQUE, IA 52002-9754 |
| Document Number | 0000018472 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 2021-00018472 |
| Name | FIDELITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | GUTTENBERG, IA 52052 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 3, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 12686 WHISPERING RDG, DUBUQUE, IA 52002-9754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004310 |
|---|---|
| Date | Apr 13, 2020 |
| Instrument | 2020-00004310 |
| Name | FIDELITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | GUTTENBERG, IA 52052 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Recording Date | Jul 1, 2019 |
| Property Address | 12686 WHISPERING RDG, DUBUQUE, IA 52002-9754 |
| Document Number | 0000006814 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 2019-00006814 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $517.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12686 WHISPERING RDG, DUBUQUE, IA 52002-9754 |
| Document Number | 0000006815 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | 2019-00006815 |
| Name | FIDELITY BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
Source: Dubuque County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Dubuque County |
| Unified School District | Dubuque Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $349,400 Land $62,100 Building $287,300 | $349,400 Land $62,100 Building $287,300 | |
| 2024 | $3,510.00 | ||
| 2023 | $310,300 (+16.91%) Land $59,200 Building $251,100 | $310,300 Land $59,200 Building $251,100 | |
| 2022 | $3,614.00 Homeowner's exemption | $265,410 Land $49,300 Building $216,110 | |
| 2021 | $265,410 Land $49,300 Building $216,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12686 Whispering Rdg in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1991.
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 | 14 (1991–2011) |
| Most Recent Claim | Jul 2011 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 12686 Whispering Rdg 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Comelec Internet Services, Maquoketa Valley Electric Cooperative, Nextlink.
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