2001 225th St, Bernard, IA 52032 Property Records

Jackson County property record for 2001 225th St, Bernard, IA 52032

Property Summary

Property Type	Rural Home
Details	4 bd · 1.5 ba · 1,740 sqft · built 1913
Lot Size	6.93 acres (301,871 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Dec 2019)
Tax Bill	$1,348 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050429300010000`

Property Details

APN / Parcel Number

Primary APN	`050429300010000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Metal
Lot Area	301,871 sqft (6.93 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	66 sqft
Silo	Silo

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2001 225TH ST
City	BERNARD
State	IA
Zip	52032-9134
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PARCEL 12-2019 PT NE SW SURV 19-1604
Legal Range	01E
Legal Township	86N
Legal Section	29
Jurisdiction	JACKSON IA
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2064
Census Tract	950100

Owner

2001 225th St, a rural home, is owned and occupied by two individuals who bought it in December 2019.

Source: Jackson County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2001 225TH ST, BERNARD, IA 52032-9134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HILLS BANK & TRUST CO
Dec 4, 2019	Warranty Deed, Transfer · ARM HILLS BANK AND TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2019 · Amount on File
Deed Sale	Dec 4, 2019 · Amount on File
Deed Document Number	20194009
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IA
Property Address	2001 225TH ST, BERNARD, IA 52032-9134
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202350
Date	Jun 18, 2020
Instrument	20-2350

Lender

Name	HILLS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 16, 2045

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IA
Recording Date	Dec 4, 2019
Property Address	2001 225TH ST, BERNARD, IA 52032-9134
Document Number	0000194009
Instrument Date	Nov 19, 2019
Instrument	19-4009
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2001 225TH ST, BERNARD, IA 52032-9134

Mortgage

Document Number	0000194011
Date	Dec 4, 2019
Instrument	19-4011

Lender

Name	HILLS BANK AND TRUST COMPANY

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.2%
Type Change Date	Dec 1, 2029
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

The 2026 property tax bill for 2001 225th St was $1,348.

Source: Jackson County assessment roll, as of October 10, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,348.00	$125,000 (-) Land $11,400 Building $113,600	$125,000 (-) Land $11,400 Building $113,600
2025	$1,348.00 (+4.98%)	$125,000 Land $11,400 Building $113,600	$125,000 Land $11,400 Building $113,600
2024	$1,284.00
2023		$109,000 Land $8,400 Building $100,600	$109,000 Land $8,400 Building $100,600
2022	$1,130.00

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

Flood

FEMA maps place 2001 225th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 27, 2022 · 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

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 2001 225th St is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 71% of Iowa
Wildfire Likelihood	0.07% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bernard Telephone Company Fiber	1,000 / 1,000

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