189 Stoffel Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 189 Stoffel Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 630 sqft · built 2019
Lot Size	1.99 acres (86,684 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,988 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-34-452-002`

Property Details

APN / Parcel Number

Primary APN	`20-34-452-002`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	630 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	86,684 sqft (1.99 acres)
Garage Type	Attached
Garage Area	2,370 sqft
Parking Spaces	8 Parking Spaces
Porch	Open Porch
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	189 STOFFEL RD
City	BERNARD
State	IA
Zip	52032-9507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 MC DEVITT PLACE NO 4;
Legal Subdivision	MCDEVITT PLACE #4
Legal Lot Number	2
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	2
Census Block	2046
Census Tract	10300

Owner

189 Stoffel Rd is owned and occupied by two individuals who acquired it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	189 STOFFEL RD, BERNARD, IA 52032-9507
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
Mar 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Mar 26, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Jun 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Apr 23, 2024	Deed of Trust, Mortgage · Construction Mortgage GREENSTATE CU
Aug 29, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 29, 2019
Transfer Doc	0000010006
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	189 STOFFEL RD, BERNARD, IA 52032-9507
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 STOFFEL RD, BERNARD, IA 52032-9507

Mortgage

Document Number	0000002918
Date	Mar 26, 2026
Instrument	2026-00002918

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	189 STOFFEL RD, BERNARD, IA 52032-9507
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002919
Date	Mar 26, 2026
Instrument	2026-00002919

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2041

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Recording Date	Jun 30, 2026
Property Address	189 STOFFEL RD, BERNARD, IA 52032-9507
Document Number	0000007109
Instrument Date	Mar 16, 2026
Instrument	20267109
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 STOFFEL RD, BERNARD, IA 52032-9507

Mortgage

Document Number	0000007109,
Date	Jun 30, 2026
Instrument	20267109

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2041

Interest

Rate	5.44%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Recording Date	Jun 29, 2026
Property Address	189 STOFFEL RD, BERNARD, IA 52032-9507
Document Number	0000007085
Instrument Date	Mar 16, 2026
Instrument	20267085
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007085,
Date	Jun 29, 2026
Instrument	20267085

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	502 Months
Due	Apr 1, 2068

Interest

Rate	6.09%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	189 STOFFEL RD, BERNARD, IA 52032-9507
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 STOFFEL RD, BERNARD, IA 52032-9507

Mortgage

Document Number	0000003393
Date	Apr 23, 2024
Instrument	2024-00003393

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	10 Months
Due	Feb 15, 2025

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 29, 2019
Property Address	189 STOFFEL RD, BERNARD, IA 52032-9507
Document Number	0000010006
Instrument Date	Aug 27, 2019
Instrument	10006
Transaction Type	Transfer
Record Updated	Sep 28, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 12 BERNARD IA 520320012, BERNARD, IA 52032-0012

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$654,400 Land $59,600 Building $594,800	$654,400 Land $59,600 Building $594,800
2024	$1,988.00
2023		$196,100 (+17.16%) Land $54,200 Building $141,900	$196,100 Land $54,200 Building $141,900
2022	$1,914.00 Homeowner's exemption	$167,380 Land $43,480 Building $123,900
2021			$167,380 Land $43,480 Building $123,900

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

Flood

FEMA maps place 189 Stoffel 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 189 Stoffel Rd is low, with 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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 3 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: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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