Dubuque County property record for 249 McCarthy Rd, Bernard, IA 52032 · Last verified January 2026
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 2,066 sqft · built 1900 |
| Lot Size | 39 acres (1,698,840 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,792 (2024) |
| Deeds & Mortgages | Oct 2025 Line of Credit Mar 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-33-300-002 |
| Primary APN | 20-33-300-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,066 sqft Living Area |
| 1st Floor Area | 928 sqft |
| Upper Floors Area | 928 sqft |
| Basement Area | 1,138 sqft |
| Year Built | Built 1900 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood Frame |
| Lot Area | 1,698,840 sqft (39 acres) |
| Garage Type | Attached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 208 sqft |
| Granary | Granary |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 249 MCCARTHY RD |
|---|---|
| City | BERNARD |
| State | IA |
| Zip | 52032-9508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | NE SW - SEC 33 T87N R1E; |
| Legal Range | 01E |
| Legal Township | 87N |
| Legal Section | 33 |
| Jurisdiction | DUBUQUE IA |
| Township / Civil Division | PRAIRIE CREEK |
| Census Block Group | 3 |
| Census Block | 3118 |
| Census Tract | 10300 |
Source: Dubuque County records · APN 20-33-300-002
Assessment roll updated May 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 249 MCCARTHY RD, BERNARD, IA 52032-9508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 15, 2025 | Deed of Trust, Mortgage · Line of Credit MIDWESTONE BANK |
| Mar 20, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN TRUST & SAVINGS BANK |
| Nov 14, 2018 | Deed of Trust, Mortgage · Line of Credit AMERICAN TRUST & SAVINGS BANK |
| Oct 15, 2020 | Affidavit of Death, Transfer NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 249 MCCARTHY RD, BERNARD, IA 52032-9508 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000011085 |
|---|---|
| Date | Oct 15, 2025 |
| Instrument | 2025-00011085 |
| Name | MIDWESTONE BANK |
|---|---|
| Type | Bank |
| Address | 2600 ROCKDALE RD, DUBUQUE, IA 52003 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 249 MCCARTHY RD, BERNARD, IA 52032-9508 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002710 |
|---|---|
| Date | Mar 20, 2018 |
| Instrument | 2018-00002710 |
| Name | AMERICAN TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | DYERSVILLE, IA 52040 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 249 MCCARTHY RD, BERNARD, IA 52032-9508 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013418 |
|---|---|
| Date | Nov 14, 2018 |
| Instrument | 2018-00013418 |
| Name | AMERICAN TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | DYERSVILLE, IA 52040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Recording Date | Oct 15, 2020 |
| Property Address | 249 MCCARTHY RD, BERNARD, IA 52032-9508 |
| Document Number | 0000015908 |
| Instrument Date | Oct 13, 2020 |
| Instrument | 15908 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 249 MCCARTHY RD BERNARD IA 520329508, BERNARD, IA 52032-9508 |
Source: Dubuque County records · Assessment roll updated May 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Dubuque County |
| Unified School District | Western Dubuque County Community School District (PK - 12) |
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 | $271,465 (+16.71%) Land $89,165 Building $182,300 | $271,465 (+16.71%) Land $89,165 Building $182,300 | |
| 2024 | $2,792.00 (+14.33%) | ||
| 2023 | $232,605 (+32.79%) Land $71,405 Building $161,200 | $232,605 (+32.79%) Land $71,405 Building $161,200 | |
| 2022 | $2,442.00 Homeowner's exemption Additional exemption filed | $175,170 Land $56,380 Building $118,790 | |
| 2021 | $175,170 Land $56,380 Building $118,790 |
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
| 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 Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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.
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) |
|---|---|---|
| Bernard Telephone Company | Fiber | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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