178 White Oak Dr, Cascade, IA 52033 Property Records

Dubuque County property record for 178 White Oak Dr, Cascade, IA 52033

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 1,722 sqft · built 2014
Lot Size	0.322 acres (14,040 sqft)
Owner	Individual Name on File
Last Sale	$426,000 (Nov 2024)
Tax Bill	$5,196 (2024)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-32-253-016`

Property Details

APN / Parcel Number

Primary APN	`19-32-253-016`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,722 sqft Living Area
Basement Area	1,722 sqft
Finished Basement	912 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,040 sqft (0.322 acres)
Lot Dimensions	120 ft deep x 117 ft wide
Garage Type	Attached
Garage Area	833 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	356 sqft
Deck Area	208 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	178 WHITE OAK DR
City	CASCADE
State	IA
Zip	52033-5600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 BLOCK 4 OAK HILL SUB;
Legal Subdivision	OAK HILL SUB
Legal Block	4
Legal Lot Number	21
Jurisdiction	DUBUQUE IA
Township / Civil Division	WHITEWATER
Census Block Group	3
Census Block	3115
Census Tract	10300

Owner

178 White Oak Dr is owned and occupied by an individual who bought it in November 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	178 WHITE OAK DR, CASCADE, IA 52033-5600
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 4, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FIDELITY BANK & TRUST
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2024 · Amount on File
Deed Sale	Nov 4, 2024 · Amount on File
Prior Sale	Aug 4, 2021 · Amount on File
Deed Document Number	2024-00010591
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 4, 2021
Property Address	178 WHITE OAK DR, CASCADE, IA 52033-5600
Document Number	0000012890
Instrument Date	Jul 30, 2021
Instrument	2021-00012890
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$543.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 WHITE OAK DR, CASCADE, IA 52033-5600

Mortgage

Document Number	0000012891
Date	Aug 4, 2021
Instrument	2021-00012891

Lender

Name	FIDELITY BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	178 WHITE OAK DR, CASCADE, IA 52033-5600
Document Number	0000010965
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	178 WHITE OAK DR CASCADE IA 520335600, CASCADE, IA 52033-5600

Mortgage

Document Number	0000010965
Date	Jul 28, 2020
Instrument	10965

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 27, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$415,900 Land $41,700 Building $374,200	$415,900 Land $41,700 Building $374,200
2024	$5,196.00
2023		$376,800 (+20.12%) Land $41,700 Building $335,100	$376,800 Land $41,700 Building $335,100
2022	$4,824.00 Homeowner's exemption	$313,680 Land $41,680 Building $272,000
2021			$313,680 Land $41,680 Building $272,000

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

Flood

FEMA maps place 178 White Oak Dr 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 178 White Oak Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 66% of Iowa
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cascade Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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