1378 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 1378 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,306 sqft · built 1900
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,160 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-27-401-010`

Property Details

APN / Parcel Number

Primary APN	`20-27-401-010`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,306 sqft Living Area
1st Floor Area	1,153 sqft
Upper Floors Area	1,153 sqft
Basement Area	1,153 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Wood Frame
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Attached
Garage Area	1,019 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	200 sqft
Deck Area	51 sqft
Patio Area	51 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Oil

Location & Zoning

Street Address	1378 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 2 MOORE PLACE;
Legal Subdivision	MOORE PLACE
Legal Lot Number	2
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	2
Census Block	2038
Census Tract	10300

Owner

1378 Bernard Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1378 BERNARD RD, BERNARD, IA 52032-9500
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
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Mar 25, 2022	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Recording Date	Jul 1, 2026
Property Address	1378 BERNARD RD, BERNARD, IA 52032-9500
Document Number	0000007161
Instrument Date	Jun 25, 2026
Instrument	20267161
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1378 BERNARD RD, BERNARD, IA 52032-9500

Mortgage

Document Number	0000007161,
Date	Jul 1, 2026
Instrument	20267161

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1378 BERNARD RD, BERNARD, IA 52032-9500
Transaction Type	Mortgage
Record Updated	Apr 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003875
Date	Mar 25, 2022
Instrument	2022-00003875

Lender

Name	ALLIANT CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1378 BERNARD RD, BERNARD, IA 52032-9500
Transaction Type	Mortgage
Record Updated	Dec 31, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020600
Date	Dec 20, 2021
Instrument	2021-00020600

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

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		$242,600 Land $48,900 Building $193,700	$242,600 Land $48,900 Building $193,700
2024	$2,160.00
2023		$225,800 (+40.03%) Land $44,500 Building $181,300	$225,800 Land $44,500 Building $181,300
2022	$1,840.00 Homeowner's exemption	$161,250 Land $35,700 Building $125,550
2021			$161,250 Land $35,700 Building $125,550

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

Flood

FEMA maps place 1378 Bernard Rd 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 1378 Bernard Rd is low, with less than 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bernard Telephone Company Fiber	1,000 / 1,000

May also be available: Maquoketa Valley Electric Cooperative.

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