155 Jess St, Bernard, IA 52032 Property Records

Dubuque County property record for 155 Jess St, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,232 sqft · built 1975
Lot Size	0.268 acres (11,700 sqft)
Owner	Owner Name on File
Last Sale	$75,000 (Nov 2012)
Tax Bill	$1,948 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-27-378-006`

Property Details

APN / Parcel Number

Primary APN	`20-27-378-006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Basement Area	1,232 sqft
Finished Basement	960 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,700 sqft (0.268 acres)
Lot Dimensions	130 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces
Deck Area	100 sqft
Patio Area	216 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	155 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 1 KINSELLA ADDITION;
Legal Subdivision	KINSELLA ADDITION
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3103
Census Tract	10300

Owner

The current owner of 155 Jess St bought it in November 2012.

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

Owner of Record	Owner Name on File
Mailing Address	155 JESS ST, BERNARD, IA 52032-4400
Occupancy	Owner Occupied

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

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage MIDWESTONE BANK
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2012 · Amount on File
Deed Sale	Nov 7, 2012 · Amount on File
Prior Sale	Nov 7, 2012
Deed Document Number	0001220233
Deed Book / Page	12 / 20233
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	155 JESS ST, BERNARD, IA 52032-4400
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006659
Date	Apr 27, 2021
Instrument	2021-00006659

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	DUBUQUE, IA 52004

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 30, 2031

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	155 JESS ST, BERNARD, IA 52032-4400
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013931
Date	Sep 16, 2020
Instrument	2020-00013931

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank
Address	EDGEWOOD, IA 52042

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

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		$185,100 Land $19,800 Building $165,300	$185,100 Land $19,800 Building $165,300
2024	$1,948.00
2023		$168,400 (+30.69%) Land $19,800 Building $148,600	$168,400 Land $19,800 Building $148,600
2022	$1,700.00 Homeowner's exemption	$128,850 Land $19,850 Building $109,000
2021			$128,850 Land $19,850 Building $109,000

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

Flood

FEMA maps place 155 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 155 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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