22754 Simon Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 22754 Simon Rd, Bernard, IA 52032 · Last verified October 2025

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 3,648 sqft · built 2018
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on File
Last Sale	$165,375 (Dec 2016)
Tax Bill	$5,676 (2024)
Deeds & Mortgages	Dec 2019 Line of Credit Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-14-300-008`

Property Details

APN / Parcel Number

Primary APN	`19-14-300-008`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,648 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Vinyl
Construction Type	Metal Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	82,764 sqft (1.9 acres)
Garage Type	Attached
Garage Area	3,078 sqft
Parking Spaces	10 Parking Spaces
Porch	Open Porch
Porch Area	1,374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	22754 SIMON RD
City	BERNARD
State	IA
Zip	52032-9604
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 1 SW SW - SEC 14 T87N R1W;
Legal Range	01W
Legal Township	87N
Legal Section	14
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 · APN 19-14-300-008

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	22754 SIMON RD, BERNARD, IA 52032-9604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 18, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDWESTONE BANK
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWESTONE BANK
Jan 16, 2019	Trustee's Deed, Construction Loan · Construction Mortgage ALLIANT CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2016 · Amount on Record
Deed Sale	Dec 28, 2016 · Amount on Record
Deed Document Number	0001617521
Record Updated	Jun 08, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	22754 SIMON RD, BERNARD, IA 52032-9604
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015946
Date	Dec 18, 2019
Instrument	2019-00015946

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	22754 SIMON RD, BERNARD, IA 52032-9604
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015945
Date	Dec 18, 2019
Instrument	2019-00015945

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	22754 SIMON RD, BERNARD, IA 52032-9604
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018333
Date	Nov 18, 2020
Instrument	2020-00018333

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	22754 SIMON RD, BERNARD, IA 52032-9604
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018332
Date	Nov 18, 2020
Instrument	2020-00018332

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jan 16, 2019
Property Address	22754 SIMON RD, BERNARD, IA 52032-9604
Instrument Date	Jan 11, 2019
Instrument	636
Transaction Type	Construction Loan
Record Updated	Sep 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22754 SIMON RD BERNARD IA 52032, BERNARD, IA 52032

Mortgage

Document Number	0000000636
Date	Jan 16, 2019
Instrument	636

Lender

Name	ALLIANT CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 15, 2020

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
Unified School District	Western Dubuque County 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		$602,750 (+11.53%) Land $450 Building $602,300	$602,750 (+11.53%) Land $450 Building $602,300
2024	$5,676.00 (-6.52%)
2023		$540,461 (+5.72%) Land $361 Building $540,100	$540,461 (+5.72%) Land $361 Building $540,100
2022	$6,072.00 Homeowner's exemption Additional exemption filed	$511,230 Land $290 Building $510,940
2021			$511,230 Land $290 Building $510,940

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Dubuque County (19061C), updated August 9, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190610103003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Jul 2011, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 71% of Iowa
Wildfire Likelihood	About 1 in 2,000 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 3 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Cascade Communications Company	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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