2523 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 2523 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,272 sqft · built 1910
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on Record
Last Sale	$176,000 (Mar 1998)
Tax Bill	$2,584 (2024)
Flood Zone	Zone X (minimal risk)
APN	`20-22-200-002`

Property Details

APN / Parcel Number

Primary APN	`20-22-200-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,272 sqft Living Area
1st Floor Area	576 sqft
Upper Floors Area	576 sqft
Basement Area	576 sqft

Exterior

Year Built	Built 1910
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Wood Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	1,742,400 sqft (40 acres)
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Oil

Location & Zoning

Street Address	2523 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9567
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CO
Legal Description	SW NE - SEC 22 T87N R1E;
Legal Range	01E
Legal Township	87N
Legal Section	22
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3098
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
Mailing Address	6089 CHUCKS CT, PEOSTA, IA 52068-7067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 1998 · Amount on Record
Deed Sale	Mar 6, 1998 · Amount on Record
Deed Document Number	00D-983204
Record Updated	Jun 7, 2026

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		$226,361 (+18.48%) Land $68,761 Building $157,600	$226,361 (+18.48%) Land $68,761 Building $157,600
2024	$2,584.00 (+14.54%)
2023		$191,049 (+34.32%) Land $52,649 Building $138,400	$191,049 (+34.32%) Land $52,649 Building $138,400
2022	$2,256.00 Additional exemption filed	$142,230 Land $41,920 Building $100,310
2021			$142,230 Land $41,920 Building $100,310

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 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bernard Telephone Company Fiber	1,000 / 1,000