2097 Carter Rd, Dubuque, IA 52001 Property Records

Dubuque County property record for 2097 Carter Rd, Dubuque, IA 52001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,496 sqft · built 1957
Lot Size	0.195 acres (8,514 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,198 (2024)
Deeds & Mortgages	Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-22-326-007`

Property Details

APN / Parcel Number

Primary APN	`10-22-326-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	250 sqft
Game Room	Game Room

Exterior

Year Built	Built 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Lot Area	8,514 sqft (0.195 acres)
Lot Dimensions	129 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	2097 CARTER RD
City	DUBUQUE
State	IA
Zip	52001-0833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 6 BLK 9 HILLCREST HEIGHTS
Legal Subdivision	HOOVER
Legal Block	9
Legal Lot Number	6
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	2
Census Block	2000
Census Tract	1202

Owner

Source: Dubuque County records · APN 10-22-326-007

Assessment roll updated May 1, 2025 · Last verified October 2025

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	2097 CARTER RD, DUBUQUE, IA 52001-0833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	2097 CARTER RD, DUBUQUE, IA 52001-0833
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006222
Date	Jun 18, 2019
Instrument	2019-00006222

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 17, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Dubuque County records · Assessment roll updated May 1, 2025 · Last verified October 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

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		$208,600 (+12.63%) Land $37,400 Building $171,200	$208,600 (+12.63%) Land $37,400 Building $171,200
2024	$2,198.00 (-7.49%)
2023		$185,200 (+23.38%) Land $33,900 Building $151,300	$185,200 (+23.38%) Land $33,900 Building $151,300
2022	$2,376.00 Homeowner's exemption	$150,110 Land $32,080 Building $118,030
2021			$150,110 Land $32,080 Building $118,030

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 9, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1995 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Hawkeye Topco Holdings Fiber	1,000 / 1,000
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Comelec Services Fixed Wireless	280 / 50
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, T-Mobile USA, Verizon.

Based on FCC filings for 308 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	DUBUQUE WATER WORKS serves 59,667 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.