15128 Higginsport Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 15128 Higginsport Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,032 sqft · built 1999
Lot Size	9.93 acres (432,551 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,368 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-25-200-005`

Property Details

APN / Parcel Number

Primary APN	`20-25-200-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,032 sqft Living Area
1st Floor Area	2,032 sqft
Basement Area	2,032 sqft
Unfinished Basement	2,032 sqft
Interior Walls	Unfinished

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	432,551 sqft (9.93 acres)
Garage Type	Mixed
Garage Area	848 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15128 HIGGINSPORT RD
City	BERNARD
State	IA
Zip	52032-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	PT OF NE NE S & E OF RD; PT OF LOT 1 SE NE S & E OF RD & N OF LANE - SEC 25 T87N R1E
Legal Range	01E
Legal Township	87N
Legal Section	25
Legal Subdivision	N OF LANE
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	2
Census Block	2064
Census Tract	10300

Owner

Source: Dubuque County records, as of August 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15128 HIGGINSPORT RD, BERNARD, IA 52032-9760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	15128 HIGGINSPORT RD, BERNARD, IA 52032-9760
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013663
Date	Dec 17, 2025
Instrument	2025-00013663

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	895 MAIN ST, DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of October 7, 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	$4,368.00 Homeowner's exemption	$458,500 (+9.53%) Land $146,900 Building $311,600	$458,500 (+9.53%) Land $146,900 Building $311,600
2024	$4,368.00 (+14.59%)
2023		$418,600 (+28.99%) Land $139,900 Building $278,700	$418,600 (+28.99%) Land $139,900 Building $278,700
2022	$3,812.00 Homeowner's exemption	$324,520 Land $107,650 Building $216,870
2021			$324,520 Land $107,650 Building $216,870

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · above 73% of Iowa
Wildfire Likelihood	0.07% 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 4 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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