152 Jess St, Bernard, IA 52032 Property Records

Dubuque County property record for 152 Jess St, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,946 sqft · built 1900
Lot Size	0.101 acres (4,408 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Aug 2026)
Tax Bill	$1,772 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-27-380-002`

Property Details

APN / Parcel Number

Primary APN	`20-27-380-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,946 sqft Living Area
1st Floor Area	352 sqft
Upper Floors Area	864 sqft
Basement Area	352 sqft
Finished Basement	250 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,408 sqft (0.101 acres)
Lot Dimensions	58 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	189 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	152 JESS ST
City	BERNARD
State	IA
Zip	52032-4400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 3-28 & 1-29 & LOT 1 N 1/2 LOT 30 BERNARD A.K.A MELLARY;
Legal Range	01E
Legal Township	87N
Legal Section	27
Legal Subdivision	BURDS GREEN ACRES SUBDIVISION
Legal Lot Number	1-30
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3103
Census Tract	10300

Owner

152 Jess St is owned and occupied by an individual who bought it in August 2026.

Source: Dubuque County records, as of September 2, 2026

Owner of Record	Individual Name on File
Mailing Address	152 JESS ST, BERNARD, IA 52032-4400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2026 · Amount on File
Deed Sale	Aug 26, 2026 · Amount on File
Prior Sale	Aug 5, 2009 · Amount on File
Deed Document Number	20269545
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 26, 2026
Property Address	152 JESS ST, BERNARD, IA 52032-4400
Document Number	0000009545
Instrument Date	Aug 26, 2026
Instrument	20269545
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,079.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	152 JESS ST, BERNARD, IA 52032-4400

Mortgage

Document Number	0000009546,
Date	Aug 26, 2026
Instrument	20269546

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 152 Jess St was $1,772 with a homeowner's exemption.

Source: Dubuque County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Bernard City
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	$1,772.00 Homeowner's exemption	$173,200 Land $10,400 Building $162,800	$173,200 Land $10,400 Building $162,800
2024	$1,772.00
2023		$154,200 (+43.48%) Land $10,400 Building $143,800	$154,200 Land $10,400 Building $143,800
2022	$1,398.00 Homeowner's exemption	$107,470 Land $10,430 Building $97,040
2021			$107,470 Land $10,430 Building $97,040

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

Flood

FEMA maps place 152 Jess St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	1 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Jul 2011 · Severe Storms And Flooding

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 152 Jess St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BERNARD WATER SYSTEM serves 114 people · EPA ID IA3113001
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

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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