186 Bluff St, Dubuque, IA 52001 Property Records

Dubuque County property record for 186 Bluff St, Dubuque, IA 52001 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,463 sqft · built 1881
Lot Size	0.054 acres (2,394 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Dec 2024)
Tax Bill	$2,566 (2024)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-280-003`

Property Details

APN / Parcel Number

Primary APN	`10-25-280-003`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,463 sqft Living Area
1st Floor Area	966 sqft
Upper Floors Area	966 sqft
Attic Area	531 sqft
Basement Area	966 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1881
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Lot Area	2,394 sqft (0.054 acres)
Lot Dimensions	114 ft deep x 21 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	63 sqft
Deck Area	136 sqft
Patio Area	136 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	186 BLUFF ST
City	DUBUQUE
State	IA
Zip	52001-7610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/3 OF CITY LOT 124
Legal Subdivision	PRESCOTT
Legal Lot Number	124
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	2
Census Block	2027
Census Tract	100

Owner

Source: Dubuque County records · APN 10-25-280-003

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	186 BLUFF ST, DUBUQUE, IA 52001-7610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · Line of Credit BENTON STATE BANK
Oct 30, 2018	Warranty Deed, Transfer · Conventional Mortgage BENTON ST BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 06, 2024 · Amount on Record
Deed Sale	Dec 06, 2024 · Amount on Record
Deed Document Number	0202412010
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	186 BLUFF ST, DUBUQUE, IA 52001-7610
Transaction Type	Mortgage
Record Updated	Oct 05, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 BLUFF ST, DUBUQUE, IA 52001-7610

Mortgage

Document Number	0000008937
Date	Sep 18, 2023
Instrument	2023-00008937

Lender

Name	BENTON STATE BANK
Type	Bank
Address	POTOSI, WI 53820

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Oct 30, 2018
Property Address	186 BLUFF ST, DUBUQUE, IA 52001-7610
Document Number	0000012794
Instrument Date	Oct 26, 2018
Instrument	12794
Transaction Type	Transfer
Record Updated	Dec 04, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$219.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	186 BLUFF ST DUBUQUE IA 520017610, DUBUQUE, IA 52001-7610

Mortgage

Document Number	12795
Date	Oct 30, 2018
Instrument	12795

Lender

Name	BENTON ST BK
Type	Bank
Address	BENTON, WI 53803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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
Municipality	Dubuque City
Unified School District	Dubuque Community School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$227,900 (+27.75%) Land $12,600 Building $215,300	$227,900 (+27.75%) Land $12,600 Building $215,300
2024	$2,566.00 (+8.45%)
2023		$178,400 (+30.03%) Land $12,000 Building $166,400	$178,400 (+30.03%) Land $12,000 Building $166,400
2022	$2,366.00	$137,200 Land $12,010 Building $125,190
2021			$137,200 Land $12,010 Building $125,190

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Dubuque County (19061C), updated August 9, 2021 · 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

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; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Cathedral Historic District listed 1985 · 97 contributing resources · NRIS 85002501

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 497 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Lumen Technologies	DSL	140 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Hawkeye Topco Holdings, Verizon, AMG Technology Investment Group, Comelec Services, Mediacom Communications, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Bluff St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures