Dubuque County property record for 12813 Whispering Rdg, Dubuque, IA 52002
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,698 sqft · built 2018 |
| Lot Size | 2.17 acres (94,525 sqft) |
| Owner | Individual Name on File |
| Last Sale | $331,000 (Nov 2018) |
| Tax Bill | $4,394 (2024) |
| Deeds & Mortgages | Aug 2019 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-33-301-006 |
| Primary APN | 06-33-301-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,698 sqft Living Area |
| Basement Area | 1,698 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 94,525 sqft (2.17 acres) |
| Garage Type | Attached |
| Garage Area | 938 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 42 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 12813 WHISPERING RDG |
|---|---|
| City | DUBUQUE |
| State | IA |
| Zip | 52002-9780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CO |
| Legal Description | LOT 7 WHISPERING HILLS ESTATES; |
| Legal Subdivision | WHISPERING HILLS ESTATES |
| Legal Lot Number | 7 |
| Jurisdiction | DUBUQUE IA |
| Township / Civil Division | PERU |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 10600 |
12813 Whispering Rdg is owned and occupied by an individual who bought it in November 2018.
Source: Dubuque County records, as of October 6, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 12813 WHISPERING RDG, DUBUQUE, IA 52002-9780 |
| 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 |
|---|---|
| Aug 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MIDWESTONE BANK |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MIDWESTONE BANK |
| Nov 6, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERICAN TRUST & SAVINGS BANK |
| Jul 25, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2018 · Amount on File |
| Deed Sale | Nov 6, 2018 · Amount on File |
| Deed Document Number | 2018-00013067 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 12813 WHISPERING RDG, DUBUQUE, IA 52002-9780 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000008719 |
|---|---|
| Date | Aug 6, 2019 |
| Instrument | 2019-00008719 |
| Name | MIDWESTONE BANK |
|---|---|
| Type | Credit Union |
| Address | STILLWATER, MN 55082 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 12813 WHISPERING RDG, DUBUQUE, IA 52002-9780 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005029 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | 2020-00005029 |
| Name | MIDWESTONE BANK |
|---|---|
| Type | Bank |
| Address | STILLWATER, MN 55082 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Recording Date | Nov 6, 2018 |
| Property Address | 12813 WHISPERING RDG, DUBUQUE, IA 52002-9780 |
| Document Number | 0000013067 |
| Instrument Date | Nov 2, 2018 |
| Instrument | 2018-00013067 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12813 WHISPERING RDG, DUBUQUE, IA 52002-9780 |
| Document Number | 0000013068 |
|---|---|
| Date | Nov 6, 2018 |
| Instrument | 2018-00013068 |
| Name | AMERICAN TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Recording Date | Jul 25, 2018 |
| Property Address | 12813 WHISPERING RDG, DUBUQUE, IA 52002-9780 |
| Document Number | 0000008510 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 8510 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $87.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 13384 BMR LN #13 DUBUQUE IA 520029467, 13, DUBUQUE, IA 52002-9467 |
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 | $422,800 Land $82,700 Building $340,100 | $422,800 Land $82,700 Building $340,100 | |
| 2024 | $4,394.00 | ||
| 2023 | $375,700 (+14.33%) Land $78,700 Building $297,000 | $375,700 Land $78,700 Building $297,000 | |
| 2022 | $4,630.00 | $328,600 Land $65,630 Building $262,970 | |
| 2021 | $328,600 Land $65,630 Building $262,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12813 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 12813 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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