153 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 153 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 972 sqft · built 1900
Lot Size	0.256 acres (11,172 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Aug 2008)
Tax Bill	$1,136 (2024)
Deeds & Mortgages	Nov 2023 Foreclosure Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-27-380-009`

Property Details

APN / Parcel Number

Primary APN	`20-27-380-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	972 sqft Living Area
1st Floor Area	384 sqft
Upper Floors Area	288 sqft
Basement Area	192 sqft

Exterior

Year Built	Built 1900
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,172 sqft (0.256 acres)
Lot Dimensions	133 ft deep x 84 ft wide
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	110 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	153 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 1-1-1-2-1-85 BERNARD A.K.A MELLARY;
Legal Subdivision	BERNARD
Legal Lot Number	1-85 1
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3103
Census Tract	10300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	153 BERNARD RD, BERNARD, IA 52032-9756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Legal Action/Court Order, Foreclosure · Conventional Mortgage DUBUQUE BANK & TRUST CO
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage OHNWARDS BK&TR CO
Jul 23, 2020	Deed of Trust, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2008 · Amount on Record
Deed Sale	Aug 15, 2008 · Amount on Record
Deed Document Number	0000011680
Last Transfer Date	Nov 29, 2023
Transfer Doc	0000011252
Record Updated	Jun 8, 2026

November 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	DUBUQUE IA
Recording Date	Nov 29, 2023
Property Address	153 BERNARD RD, BERNARD, IA 52032-9756
Document Number	0000011252
Instrument Date	Nov 27, 2023
Instrument	2023-00011252
Transaction Type	Foreclosure
Record Updated	Oct 7, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 BERNARD RD, BERNARD, IA 52032-9756

Mortgage

Document Number	0000011253
Date	Nov 29, 2023
Instrument	2023-00011253

Lender

Name	DUBUQUE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	153 BERNARD RD, BERNARD, IA 52032-9756
Document Number	0000011091
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 BERNARD RD BERNARD IA 520329756, BERNARD, IA 52032-9756

Mortgage

Document Number	0000011091
Date	Jul 30, 2020
Instrument	11091

Lender

Name	OHNWARDS BK&TR CO
Address	CEDAR RAPIDS, IA 52404

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 29, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	153 BERNARD RD, BERNARD, IA 52032-9756
Document Number	0000012562
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 BERNARD RD BERNARD IA 520329756, BERNARD, IA 52032-9756

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 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		$105,400 (+14.19%) Land $18,700 Building $86,700	$105,400 (+14.19%) Land $18,700 Building $86,700
2024	$1,136.00 (+34.6%)
2023		$92,300 (+34.9%) Land $18,700 Building $73,600	$92,300 (+34.9%) Land $18,700 Building $73,600
2022	$844.00 Homeowner's exemption	$68,420 Land $18,710 Building $49,710
2021			$68,420 Land $18,710 Building $49,710

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 · 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

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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