2045 Cobalt Ct, Dubuque, IA 52001 Property Records

Dubuque County property record for 2045 Cobalt Ct, Dubuque, IA 52001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,147 sqft · built 2014
Lot Size	0.13 acres (5,664 sqft)
Owner	Individual Name on File
Last Sale	$236,000 (Jun 2021)
Tax Bill	$3,126 (2024)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-110-005`

Property Details

APN / Parcel Number

Primary APN	`11-07-110-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,147 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Finished Basement	540 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,664 sqft (0.13 acres)
Lot Dimensions	88 ft deep x 64 ft wide
Porch	Porch
Porch Area	26 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	2045 COBALT CT
City	DUBUQUE
State	IA
Zip	52001-8643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 SKY BLUE ESTATES
Legal Subdivision	MARSHALL
Legal Lot Number	20
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	1
Census Block	1015
Census Tract	10103

Owner

2045 Cobalt Ct is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2045 COBALT CT, DUBUQUE, IA 52001-8643
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
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CREDIT UNION
Jun 17, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Aug 3, 2020	Warranty Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE NETWORK INC
May 7, 2018	Warranty Deed, Transfer · Conventional with PMI DUBUQUE BK&TR
Apr 27, 2017	Deed of Trust, Mortgage · Line of Credit INTEGRUS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2021 · Amount on File
Deed Sale	Jun 17, 2021 · Amount on File
Prior Sale	Aug 3, 2020 · Amount on File
Deed Document Number	2021-00009969
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Recording Date	Sep 2, 2026
Property Address	2045 COBALT CT, DUBUQUE, IA 52001-8643
Document Number	0000009841
Instrument Date	Sep 1, 2026
Instrument	20269841
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 COBALT CT, DUBUQUE, IA 52001-8643

Mortgage

Document Number	0000009841,
Date	Sep 2, 2026
Instrument	20269841

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jun 17, 2021
Property Address	2045 COBALT CT, DUBUQUE, IA 52001-8643
Document Number	0000009969
Instrument Date	Jun 15, 2021
Instrument	2021-00009969
Transaction Type	Transfer
Record Updated	Jun 30, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$376.80
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	2045 COBALT CT, DUBUQUE, IA 52001-8643

Mortgage

Document Number	0000009970
Date	Jun 17, 2021
Instrument	2021-00009970

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 3, 2020
Property Address	2045 COBALT CT, DUBUQUE, IA 52001-8643
Document Number	0000011265
Instrument Date	Jul 24, 2020
Instrument	2020-00011265
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$341.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 COBALT CT, DUBUQUE, IA 52001-8643

Mortgage

Document Number	0000011266
Date	Aug 3, 2020
Instrument	2020-00011266

Lender

Name	RESIDENTIAL MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	May 7, 2018
Property Address	2045 COBALT CT, DUBUQUE, IA 52001-8643
Document Number	0000004851
Instrument Date	May 7, 2018
Instrument	4851
Transaction Type	Transfer
Record Updated	Jan 12, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 COBALT CT DUBUQUE IA 520018643, DUBUQUE, IA 52001-8643

Mortgage

Document Number	4852
Date	May 7, 2018
Instrument	4852

Lender

Name	DUBUQUE BK&TR
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	2045 COBALT CT, DUBUQUE, IA 52001-8643
Document Number	0000005363
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	Jun 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 COBALT CT DUBUQUE IA 520018643, DUBUQUE, IA 52001-8643

Mortgage

Document Number	0000005363
Date	May 8, 2017
Instrument	5363

Lender

Name	INTEGRUS CU
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 7, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 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		$231,700 Land $36,900 Building $194,800	$231,700 Land $36,900 Building $194,800
2024	$3,126.00
2023		$227,600 (+19.32%) Land $33,800 Building $193,800	$227,600 Land $33,800 Building $193,800
2022	$3,136.00 Homeowner's exemption	$190,740 Land $27,650 Building $163,090
2021			$190,740 Land $27,650 Building $163,090

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

Flood

FEMA maps place 2045 Cobalt Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective August 9, 2021 · 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
Nearby Flood Claims	6 (2001–2023)
Most Recent Claim	May 2023 · Flooding
Claims by Event	Flooding, May 2023 · 3 claims

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 2045 Cobalt Ct is low, with less than 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 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 154 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	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Comelec Internet Services, Nextlink.

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