25316 Rte 3, Holy Cross, IA 52053 Property Records

Dubuque County property record for 25316 Rte 3, Holy Cross, IA 52053

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,584 sqft · built 1900
Lot Size	1.09 acres (47,655 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,276 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-20-402-002`

Property Details

APN / Parcel Number

Primary APN	`04-20-402-002`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
1st Floor Area	552 sqft
Basement Area	1,032 sqft

Exterior

Year Built	Built 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Lot Area	47,655 sqft (1.09 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	207 sqft
Deck Area	370 sqft
Patio Area	370 sqft
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	25316 ROUTE 3
City	HOLY CROSS
State	IA
Zip	52053-9314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 CREAMERY SPRINGS PLAT 1;
Legal Subdivision	CREAMERY SPGS 1
Legal Lot Number	3
Jurisdiction	DUBUQUE IA
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3039
Census Tract	10600

Owner

25316 Rte 3 is owned and occupied by two individuals who acquired it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	25316 ROUTE 3, HOLY CROSS, IA 52053-9314
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage MIDWESTONE BANK
Oct 4, 2018	Deed of Trust, Mortgage · Line of Credit AMERICAN TRUST & SAVINGS BANK
Sep 28, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018
Deed Sale	Sep 28, 2018
Prior Sale	Sep 30, 2015 · Amount on File
Deed Document Number	2018-00011451
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	25316 ROUTE 3, HOLY CROSS, IA 52053-9314
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004319
Date	Mar 19, 2021
Instrument	2021-00004319

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	25316 ROUTE 3, HOLY CROSS, IA 52053-9314
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011714
Date	Oct 4, 2018
Instrument	2018-00011714

Lender

Name	AMERICAN TRUST & SAVINGS BANK
Type	Bank
Address	FARLEY, IA 52046

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Sep 28, 2018
Property Address	25316 ROUTE 3, HOLY CROSS, IA 52053-9314
Document Number	0000011451
Instrument Date	Aug 6, 2018
Instrument	11451
Transaction Type	Transfer
Record Updated	Dec 31, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25316 ROUTE 52 N HOLY CROSS IA 520539313, HOLY CROSS, IA 52053-9313

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		$233,400 Land $60,300 Building $173,100	$233,400 Land $60,300 Building $173,100
2024	$2,276.00
2023		$212,300 (+32.09%) Land $57,500 Building $154,800	$212,300 Land $57,500 Building $154,800
2022	$1,944.00	$160,720 Land $44,200 Building $116,520
2021			$160,720 Land $44,200 Building $116,520

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

Flood

FEMA maps place 25316 Rte 3 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 9, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 25316 Rte 3 is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Maquoketa Valley Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Windstream DSL	100 / 20

May also be available: Nextlink.

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