1544 McCarthy Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 1544 McCarthy Rd, Bernard, IA 52032 · Last verified October 2025

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 2,435 sqft · built 1976
Lot Size	6.75 acres (294,030 sqft)
Owner	Individual Name on File
Last Sale	$387,500 (Jan 2023)
Tax Bill	$3,174 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Feb 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-28-200-006`

Property Details

APN / Parcel Number

Primary APN	`20-28-200-006`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,435 sqft Living Area
1st Floor Area	1,419 sqft
Basement Area	1,419 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	294,030 sqft (6.75 acres)
Garage Type	Attached
Garage Area	1,056 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	45 sqft
Patio Area	135 sqft
Shed	1 Shed
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	1544 MCCARTHY RD
City	BERNARD
State	IA
Zip	52032-9576
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 1 MCCARTHY ROAD SUB;
Legal Subdivision	MCCARTHY ROAD SUB
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3104
Census Tract	10300

Owner

Source: Dubuque County records · APN 20-28-200-006

Assessment roll updated May 1, 2025 · Last verified October 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 File
Mailing Address	1544 MCCARTHY RD, BERNARD, IA 52032-9576
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 02, 2023	Deed of Trust, Mortgage · Conventional Mortgage MIDWESTONE BANK
Feb 23, 2023	Deed of Trust, Mortgage · Line of Credit MIDWESTONE BANK
Jan 30, 2023	Warranty Deed, Transfer · Conventional Mortgage MIDWESTONE BANK
Jan 13, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 30, 2023 · Amount on Record
Deed Sale	Jan 30, 2023 · Amount on Record
Prior Sale	Jan 13, 2017
Deed Document Number	2023-00000850
Record Updated	Jun 08, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1544 MCCARTHY RD, BERNARD, IA 52032-9576
Transaction Type	Mortgage
Record Updated	Mar 21, 2023
Title Company	MILESTONE TITLE INC, MILESTONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	835 VALENTINE DR, DUBUQUE, IA 52003-0211

Mortgage

Document Number	0000001778
Date	Mar 02, 2023
Instrument	2023-00001778

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 01, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1544 MCCARTHY RD, BERNARD, IA 52032-9576
Transaction Type	Mortgage
Record Updated	Mar 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001545
Date	Feb 23, 2023
Instrument	2023-00001545

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Mar 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jan 30, 2023
Property Address	1544 MCCARTHY RD, BERNARD, IA 52032-9576
Document Number	0000000850
Instrument Date	Jan 25, 2023
Instrument	2023-00000850
Transaction Type	Transfer
Record Updated	Feb 21, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$619.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1544 MCCARTHY RD, BERNARD, IA 52032-9576

Mortgage

Document Number	0000000851
Date	Jan 30, 2023
Instrument	2023-00000851

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

January 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jan 13, 2017
Property Address	1544 MCCARTHY RD, BERNARD, IA 52032-9576
Document Number	0000000660
Instrument Date	Jan 12, 2017
Instrument	2017-00000660
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1544 MCCARTHY RD, BERNARD, IA 52032-9576

Tax Assessment & Valuation

Source: Dubuque County records · Assessment roll updated May 1, 2025 · Last verified October 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$329,698 (+86.43%) Land $12,498 Building $317,200	$329,698 (+86.43%) Land $12,498 Building $317,200
2024	$3,174.00 (+81.58%)
2023		$176,848 (+33.8%) Land $9,348 Building $167,500	$176,848 (+33.8%) Land $9,348 Building $167,500
2022	$1,748.00 Additional exemption filed	$132,170 Land $7,430 Building $124,740
2021			$132,170 Land $7,430 Building $124,740

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Dubuque County (19061C), updated August 9, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190610103003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Jul 2011, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 3 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Bernard Telephone Company	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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