21903 Simon Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 21903 Simon Rd, Bernard, IA 52032

Property Summary

Property Type	Rural Home
Details	4 bd · 5 ba · 4,547 sqft · built 2015
Lot Size	9.21 acres (401,188 sqft)
Owner	Individual Name on Record
Tax Bill	$14,474 (2024)
Deeds & Mortgages	Mar 2017 Mortgage Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-25-101-005`

Property Details

APN / Parcel Number

Primary APN	`19-25-101-005`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,547 sqft Living Area
1st Floor Area	3,119 sqft
Attic	Attic
Attic Area	182 sqft
Basement Area	3,119 sqft
Finished Basement	3,000 sqft
Interior Walls	Plaster
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asbestos
Lot Area	401,188 sqft (9.21 acres)
Garage Type	Attached
Garage Area	2,250 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Area	960 sqft
Porch	Open Porch
Porch Area	466 sqft
Patio Area	551 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	21903 SIMON RD
City	BERNARD
State	IA
Zip	52032-9614
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 1 DEMMER ESTATE;
Legal Subdivision	DEMMER ESTATE
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	WHITEWATER
Census Block Group	3
Census Block	3064
Census Tract	10300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	21903 SIMON RD, BERNARD, IA 52032-9614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2017	Deed of Trust, Mortgage DUPACO COMMUNITY CU
Feb 26, 2018	Deed of Trust, Mortgage · ARM DUPACO COMMUNITY CU
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2024
Deed Sale	Nov 18, 2024
Deed Document Number	2024-00011046
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	21903 SIMON RD, BERNARD, IA 52032-9614
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002539
Date	Mar 7, 2017
Instrument	2017-00002539

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2047

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	21903 SIMON RD, BERNARD, IA 52032-9614
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002012
Date	Feb 26, 2018
Instrument	2018-00002012

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	10.5%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	21903 SIMON RD, BERNARD, IA 52032-9614
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013148
Date	Aug 9, 2021
Instrument	2021-00013148

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	21903 SIMON RD, BERNARD, IA 52032-9614
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013150
Date	Aug 9, 2021
Instrument	2021-00013150

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5%
Index	1-Year CMT
Margin	3
Max Rate	9%

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		$1,474,671 (+11.61%) Land $18,671 Building $1,456,000	$1,474,671 (+11.61%) Land $18,671 Building $1,456,000
2024	$14,474.00 (+4.49%)
2023		$1,321,222 (+18.33%) Land $14,422 Building $1,306,800	$1,321,222 (+18.33%) Land $14,422 Building $1,306,800
2022	$13,852.00 Homeowner's exemption Additional exemption filed	$1,116,580 Land $11,480 Building $1,105,100
2021			$1,116,580 Land $11,480 Building $1,105,100

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.02% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cascade Communications Fiber	1,000 / 1,000
Maquoketa Valley Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Simon Rd

Nearby Streets

All Bernard, IA Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures