1961 Central Ave, Dubuque, IA 52001 Property Records

Dubuque County property record for 1961 Central Ave, Dubuque, IA 52001

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	8,028 sqft · built 1887
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Dec 2025)
Tax Bill	$3,872 (2025)
Deeds & Mortgages	Dec 2025 Sale & Construction Loan Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-24-252-007`

Property Details

APN / Parcel Number

Primary APN	`10-24-252-007`

Interior

Stories	3 Stories
Building Area	8,028 sqft Gross Area
1st Floor Area	2,500 sqft
Basement Area	2,500 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1887
Exterior Material	Brick
Roof Material	Urethane Foam
Lot Area	10,000 sqft (0.23 acres)
Porch	Slab
Deck Area	2 sqft
Canopy	284 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	1961 CENTRAL AVE
City	DUBUQUE
State	IA
Zip	52001-3612
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CI
Legal Description	S 1/2 OF LOT 1 OF SUB OF CITY LOTS 438, 439, & PT OF 676
Legal Range	02E
Legal Township	89N
Legal Section	24
Legal Subdivision	OF THE SUB
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	1
Census Block	1000
Census Tract	600

Owner

1961 Central Ave, a commercial property, is owned by two individuals who bought it in December 2025.

Source: Dubuque County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1961 CENTRAL AVE, DUBUQUE, IA 52001-3612
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 19, 2025	Warranty Deed, Construction Loan · Construction Mortgage BELLEVUE STATE BANK
Oct 14, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BELLEVUE STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on File
Deed Sale	Dec 19, 2025 · Amount on File
Deed Document Number	202513788
Prior Transfer Date	Oct 5, 2022
Prior Transfer Doc	0000012386
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Dec 19, 2025
Property Address	1961 CENTRAL AVE, DUBUQUE, IA 52001-3612
Document Number	0000013788
Instrument Date	Dec 19, 2025
Instrument	2025-00013788
Transaction Type	Construction Loan
Record Updated	Dec 31, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1961 CENTRAL AVE, DUBUQUE, IA 52001-3612

Mortgage

Document Number	0000013791
Date	Dec 19, 2025
Instrument	2025-00013791

Lender

Name	BELLEVUE STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2055

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Oct 14, 2022
Property Address	1961 CENTRAL AVE, DUBUQUE, IA 52001-3612
Document Number	0000012772
Instrument Date	Oct 14, 2022
Instrument	2022-00012772
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$431.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18134 21ST AVE, MONMOUTH, IA 52309-9497

Mortgage

Document Number	0000012773
Date	Oct 14, 2022
Instrument	2022-00012773

Lender

Name	BELLEVUE STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1961 Central Ave was $3,872.

Source: Dubuque County assessment roll, as of October 7, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,872.00	$312,200 Land $40,500 Building $271,700	$312,200 Land $40,500 Building $271,700
2024	$3,872.00
2023		$269,200 (+39.34%) Land $36,000 Building $233,200	$269,200 Land $36,000 Building $233,200
2022	$3,330.00	$193,190 Land $36,000 Building $157,190
2021			$193,190 Land $36,000 Building $157,190

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

Flood

FEMA maps place 1961 Central Ave 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

The area around 1961 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	DUBUQUE WATER WORKS serves 59,667 people · EPA ID IA3126052
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	5 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 685 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Comelec Internet Services.

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