20554 Raysford Ln, Bernard, IA 52032 Property Records

Dubuque County property record for 20554 Raysford Ln, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,725 sqft · built 2004
Lot Size	8.44 acres (368,082 sqft)
Owner	Individual Name on File
Tax Bill	$4,204 (2024)
Deeds & Mortgages	Sep 2025 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-07-327-002`

Property Details

APN / Parcel Number

Primary APN	`20-07-327-002`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,725 sqft Living Area
1st Floor Area	1,725 sqft
Basement Area	1,725 sqft
Finished Basement	1,485 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	368,082 sqft (8.44 acres)
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	390 sqft
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	20554 RAYSFORD LN
City	BERNARD
State	IA
Zip	52032-9801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 RAYSFORD LANE SUB;
Legal Subdivision	RAYSFORD LANE SUB
Legal Lot Number	3
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3079
Census Tract	10300

Owner

20554 Raysford Ln is owned and occupied by an individual who acquired it in August 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	20554 RAYSFORD LN, BERNARD, IA 52032-9801
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 17, 2025	Deed of Trust, Mortgage · Line of Credit FIDELITY BANK & TRUST
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST
Aug 27, 2019	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 27, 2019
Transfer Doc	0000009848
Record Updated	Jun 7, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	20554 RAYSFORD LN, BERNARD, IA 52032-9801
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20554 RAYSFORD LN, BERNARD, IA 52032-9801

Mortgage

Document Number	0000009953
Date	Sep 17, 2025
Instrument	2025-00009953

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	200 PEOSTA ST, PEOSTA, IA 52068

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 17, 2035

Interest

Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	20554 RAYSFORD LN, BERNARD, IA 52032-9801
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003477
Date	Mar 3, 2021
Instrument	2021-00003477

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	PEOSTA, IA 52068

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 27, 2019
Property Address	20554 RAYSFORD LN, BERNARD, IA 52032-9801
Document Number	0000009848
Instrument Date	Aug 23, 2019
Instrument	2019-00009848
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	$519.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20554 RAYSFORD LN, BERNARD, IA 52032-9801

Mortgage

Document Number	0000009849
Date	Aug 27, 2019
Instrument	2019-00009849

Lender

Name	FIDELITY BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$469,400 Land $96,400 Building $373,000	$469,400 Land $96,400 Building $373,000
2024	$4,204.00
2023		$403,300 (+23.18%) Land $68,400 Building $334,900	$420,200
2022	$3,846.00 Homeowner's exemption	$327,400 Land $54,840 Building $272,560
2021			$344,310

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

Flood

FEMA maps place 20554 Raysford Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	1 (2011)
Most Recent Claim	Jul 2011 · Severe Storms And Flooding

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 20554 Raysford Ln is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bernard Telephone Company Fiber	1,000 / 1,000
Nextlink Fixed Wireless	100 / 20

May also be available: Maquoketa Valley Electric Cooperative.

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