Jackson County property record for 20403 Apache Trl, Bernard, IA 52032 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 820 sqft · built 1990 |
| Lot Size | 0.601 acres (26,163 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $6,000 (Nov 2025) |
| Tax Bill | $958 (2025) |
| Deeds & Mortgages | Oct 2023 Sale Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 290519388016000 |
| Primary APN | 290519388016000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 820 sqft Living Area |
| 1st Floor Area | 480 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Intercom | Intercom |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,163 sqft (0.601 acres) |
| Lot Dimensions | 215 ft deep x 90 ft wide |
| Shed | 1 Shed |
| Gazebo | 8 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 20403 APACHE TRL |
|---|---|
| City | BERNARD |
| State | IA |
| Zip | 52032-9247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 58,61,62 & 63 SCHWENKER'S 12TH ADD SURV 1A-233 |
| Legal Range | 02E |
| Legal Township | 86N |
| Legal Section | 19 |
| Legal Subdivision | SCHWENKERS 12TH ADD |
| Legal Lot Number | 58 |
| Jurisdiction | JACKSON IA |
| Township / Civil Division | OTTER CREEK |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 950100 |
Source: Jackson County records · APN 290519388016000
Assessment roll updated October 10, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20401 APACHE TRL, BERNARD, IA 52032-9247 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 19, 2023 | Warranty Deed, Transfer |
| Aug 21, 2017 | Warranty Deed, Transfer · ARM DUPACO COMMUNITY CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 10, 2025 · Amount on Record |
| Deed Sale | Nov 10, 2025 · Amount on Record |
| Prior Sale | Oct 19, 2023 · Amount on Record |
| Deed Document Number | 20253338 |
| Prior Transfer Date | Nov 07, 2025 |
| Prior Transfer Doc | 0000003338 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON IA |
| Recording Date | Oct 19, 2023 |
| Property Address | 20403 APACHE TRL, BERNARD, IA 52032-9247 |
| Document Number | 0000232939 |
| Map Reference | MB 1-A PG 233 |
| Instrument Date | Sep 28, 2023 |
| Instrument | 23-2939 |
| Transaction Type | Transfer |
| Record Updated | Dec 06, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $34.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20403 APACHE TRL, BERNARD, IA 52032-9247 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON IA |
| Recording Date | Aug 21, 2017 |
| Property Address | 20403 APACHE TRL, BERNARD, IA 52032-9247 |
| Document Number | 02017/2955 |
| Book / Page | 2017 / 2955 |
| Map Reference | PL 1A PG 233 |
| Instrument Date | Aug 15, 2017 |
| Instrument | 17-2955 |
| Transaction Type | Transfer |
| Record Updated | Dec 06, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20403 APACHE TRL, BERNARD, IA 52032-9247 |
| Investor | Possibly a Property Investor |
| Document Number | 02017/2957 |
|---|---|
| Date | Aug 21, 2017 |
| Book Page | 2017/2957 |
| Instrument | 17-2957 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52002 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 01, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 4.87% |
| Max Rate At Change | 6.87% |
| Index | 1-Year LIBOR |
| Max Rate | 10.8% |
Source: Jackson County records · Assessment roll updated October 10, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Jackson County |
| Unified School District | Maquoketa Community School District (PK - 12) |
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 | $958.00 | $78,700 (-4.14%) Land $5,800 Building $72,900 | $78,700 (-4.14%) Land $5,800 Building $72,900 |
| 2024 | $958.00 (+3.9%) | ||
| 2023 | $82,100 Land $5,800 Building $76,300 | $82,100 Land $5,800 Building $76,300 | |
| 2022 | $922.00 |
Source: FEMA National Flood Hazard Layer, Jackson County (19097C), updated January 27, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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