21976 Simon Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 21976 Simon Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 2,227 sqft · built 2004
Lot Size	1.59 acres (69,260 sqft)
Owner	2 Owner Names on Record
Last Sale	$235,000 (May 2008)
Tax Bill	$5,390 (2024)
Deeds & Mortgages	Jan 2017 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-226-006`

Property Details

APN / Parcel Number

Primary APN	`19-26-226-006`
Alternative APN	`1926226005`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,227 sqft Living Area
1st Floor Area	2,227 sqft
Basement Area	2,227 sqft
Finished Basement	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Lot Area	69,260 sqft (1.59 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	684 sqft
Porch	Open Porch
Porch Area	159 sqft
Deck Area	320 sqft
Patio Area	1,122 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Geothermal

Location & Zoning

Old Parcel Number	1926226005
Street Address	21976 SIMON RD
City	BERNARD
State	IA
Zip	52032-9614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REPLAT OF LOT 1 NE NE - SEC 26 T87N R1W;
Legal Range	01W
Legal Township	87N
Legal Section	26
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	WHITEWATER
Census Block Group	3
Census Block	3065
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	2 Owner Names on Record
Mailing Address	21976 SIMON RD, BERNARD, IA 52032-9614
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2017	Deed of Trust, Mortgage · Line of Credit AMERICAN TRUST & SAVINGS BANK
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWESTONE BANK
May 20, 2021	Deed of Trust, Mortgage · Line of Credit MIDWESTONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2008 · Amount on Record
Deed Sale	May 15, 2008 · Amount on Record
Deed Document Number	0000685708
Deed Book / Page	6857 / 08
Record Updated	Jun 7, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	21976 SIMON RD, BERNARD, IA 52032-9614
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000267
Date	Jan 5, 2017
Instrument	2017-00000267

Lender

Name	AMERICAN TRUST & SAVINGS BANK
Type	Bank
Address	DYERSVILLE, IA 52040

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	21976 SIMON RD, BERNARD, IA 52032-9614
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012302
Date	Aug 19, 2020
Instrument	2020-00012302

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2030

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	21976 SIMON RD, BERNARD, IA 52032-9614
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008133
Date	May 20, 2021
Instrument	2021-00008133

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	DYERSVILLE, IA 52040

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$567,100 (+10.35%) Land $67,800 Building $499,300	$567,100 (+10.35%) Land $67,800 Building $499,300
2024	$5,390.00 (+7.03%)
2023		$513,900 (+20.73%) Land $64,600 Building $449,300	$513,900 (+20.73%) Land $64,600 Building $449,300
2022	$5,036.00 Homeowner's exemption	$425,670 Land $49,690 Building $375,980
2021			$425,670 Land $49,690 Building $375,980

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
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

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