180 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 180 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,685 sqft · built 1925
Lot Size	0.202 acres (8,840 sqft)
Owner	Individual Name on File
Last Sale	$62,000 (Nov 2014)
Tax Bill	$1,598 (2024)
Deeds & Mortgages	Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-27-451-004`

Property Details

APN / Parcel Number

Primary APN	`20-27-451-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,685 sqft Living Area
1st Floor Area	784 sqft
Upper Floors Area	784 sqft
Basement Area	784 sqft

Exterior

Year Built	Built 1925
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Wood Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,840 sqft (0.202 acres)
Lot Dimensions	130 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	272 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Oil
Water Source	Commercial

Location & Zoning

Street Address	180 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 2-1 SW SE - SEC 27 T87N R1E;
Legal Range	01E
Legal Township	87N
Legal Section	27
Legal Lot Number	1,2 1
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	2
Census Block	2048
Census Tract	10300

Owner

180 Bernard Rd is owned and occupied by an individual who bought it in November 2014.

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

Owner of Record	Individual Name on File
Mailing Address	180 BERNARD RD, BERNARD, IA 52032-9756
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2014 · Amount on File
Deed Sale	Nov 3, 2014 · Amount on File
Deed Document Number	2014-00012401
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	180 BERNARD RD, BERNARD, IA 52032-9756
Transaction Type	Mortgage
Record Updated	Oct 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014895
Date	Nov 27, 2019
Instrument	2019-00014895

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 26, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$143,000 Land $15,000 Building $128,000	$143,000 Land $15,000 Building $128,000
2024	$1,598.00
2023		$129,800 (+35.29%) Land $15,000 Building $114,800	$129,800 Land $15,000 Building $114,800
2022	$1,360.00	$95,940 Land $14,990 Building $80,950
2021			$95,940 Land $14,990 Building $80,950

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

Flood

FEMA maps place 180 Bernard Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 180 Bernard Rd 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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