1540 Central Ave, Dubuque, IA 52001 Property Records

Dubuque County property record for 1540 Central Ave, Dubuque, IA 52001

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	5,752 sqft · built 1920
Lot Size	0.07 acres (3,060 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (May 2021)
Tax Bill	$918 (2024)
Deeds & Mortgages	Jun 2021 Line of Credit May 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-24-404-003`

Property Details

APN / Parcel Number

Primary APN	`10-24-404-003`

Interior

Stories	3 Stories
Building Area	5,752 sqft Gross Area
1st Floor Area	1,650 sqft
Basement Area	1,650 sqft

Exterior

Year Built	Built 1920
Exterior Material	Brick
Roof Material	Urethane Foam
Lot Area	3,060 sqft (0.07 acres)
Porch	Porch
Deck Area	2 sqft
Canopy	240 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	1540 CENTRAL AVE
City	DUBUQUE
State	IA
Zip	52001-4843
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CI
Legal Description	N 30'6" - M 1/5 OF CITY LOT 442
Legal Lot Number	442
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	3
Census Block	3011
Census Tract	100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Upper Central Avenue Commercial Historic District listed 2012 · 57 contributing resources · NRIS 12000793

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Dubuque County records, as of January 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	196 BLUFF ST, DUBUQUE, IA 52001-7610
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Line of Credit PREMIER BANK
May 18, 2021	Deed of Trust, Mortgage · Line of Credit PREMIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Deed Document Number	0000217722
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1540 CENTRAL AVE, DUBUQUE, IA 52001-4843
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 BLUFF ST, DUBUQUE, IA 52001-7610

Mortgage

Document Number	0000009177
Date	Jun 4, 2021
Instrument	2021-00009177

Lender

Name	PREMIER BANK
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1540 CENTRAL AVE, DUBUQUE, IA 52001-4843
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 BLUFF ST, DUBUQUE, IA 52001-7610

Mortgage

Document Number	0000007988
Date	May 18, 2021
Instrument	2021-00007988

Lender

Name	PREMIER BANK
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Dubuque County
Municipality	Dubuque City
Unified School District	Dubuque Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$253,100 (+296.71%) Land $24,800 Building $228,300	$253,100 (+296.71%) Land $24,800 Building $228,300
2024	$918.00 (-0.43%)
2023		$63,800 (+19.34%) Land $22,000 Building $41,800	$63,800 (+19.34%) Land $22,000 Building $41,800
2022	$922.00	$53,460 Land $22,030 Building $31,430
2021			$53,460 Land $22,030 Building $31,430

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	Not rated no burnable land within 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	DUBUQUE WATER WORKS serves 59,667 people · EPA ID IA3126052
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	5 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 685 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Comelec Internet Services.

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