20286 Bernard Rd, Bernard, IA 52032 Property Records

Jackson County property record for 20286 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,864 sqft · built 1880
Lot Size	38.5 acres (1,677,060 sqft)
Owner	Individual Name on File
Tax Bill	$3,444 (2026)
Flood Zone	Zone X (minimal risk)
APN	`050434300002000`

Property Details

APN / Parcel Number

Primary APN	`050434300002000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,864 sqft Living Area
1st Floor Area	880 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Vinyl
Construction Type	Stone
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,677,060 sqft (38.5 acres)
Garage Type	Attached
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	20286 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9280
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SW SW
Legal Range	01E
Legal Township	86N
Legal Section	34
Jurisdiction	JACKSON IA
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2063
Census Tract	950100

Owner

20286 Bernard Rd, a rural home, is owned by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	3480 250TH ST, BERNARD, IA 52032-9121
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
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 20286 Bernard Rd was $3,444.

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	$3,444.00	$288,600 (-) Land $122,800 Building $165,800	$288,600 (-) Land $122,800 Building $165,800
2025	$3,444.00 (+3.18%)	$288,600 Land $122,800 Building $165,800	$288,600 Land $122,800 Building $165,800
2024	$3,338.00
2023		$241,700 Land $91,800 Building $149,900	$241,700 Land $91,800 Building $149,900
2022	$3,028.00

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

Flood

FEMA maps place 20286 Bernard Rd 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 20286 Bernard 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