278 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 278 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,674 sqft · built 2017
Lot Size	0.357 acres (15,561 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jan 2026)
Tax Bill	$2,260 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-27-401-017`

Property Details

APN / Parcel Number

Primary APN	`20-27-401-017`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,674 sqft Living Area
Basement Area	1,674 sqft
Unfinished Basement	1,674 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,561 sqft (0.357 acres)
Lot Dimensions	182 ft deep x 32 ft wide
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	176 sqft
Deck Area	288 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	278 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 MOORE PLACE NO. 2;
Legal Subdivision	MOORE PLACE
Legal Lot Number	2
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	2
Census Block	2038
Census Tract	10300

Owner

Source: Dubuque County records, as of April 6, 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 Record
Mailing Address	278 BERNARD RD, BERNARD, IA 52032-9522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Aug 8, 2018	Deed of Trust, Mortgage DUBUQUE BK&TR
Aug 7, 2017	Trustee's Deed, Construction Loan · Construction Mortgage DUBUQUE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Jun 29, 2010 · Amount on Record
Deed Document Number	20261001
Prior Transfer Date	Apr 24, 2017
Prior Transfer Doc	0000004913
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jan 30, 2026
Property Address	278 BERNARD RD, BERNARD, IA 52032-9522
Document Number	0000001001
Instrument Date	Jan 22, 2026
Instrument	2026-00001001
Transaction Type	Transfer
Record Updated	Feb 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 BERNARD RD, BERNARD, IA 52032-9522

Mortgage

Document Number	0000001002
Date	Jan 30, 2026
Instrument	2026-00001002

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	278 BERNARD RD, BERNARD, IA 52032-9522
Document Number	0000009320
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 BERNARD RD BERNARD IA 520329522, BERNARD, IA 52032-9522

Mortgage

Document Number	0000009320
Date	Aug 13, 2018
Instrument	9320

Lender

Name	DUBUQUE BK&TR
Type	Bank
Address	DUBUQUE, IA 52001

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2048

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 7, 2017
Property Address	278 BERNARD RD, BERNARD, IA 52032-9522
Instrument Date	Aug 4, 2017
Instrument	9716
Transaction Type	Construction Loan
Record Updated	Dec 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 BERNARD RD BERNARD IA 520329522, BERNARD, IA 52032-9522

Mortgage

Document Number	0000009716
Date	Aug 7, 2017
Instrument	9716

Lender

Name	DUBUQUE BK&TR
Type	Bank
Address	2196 HOLLIDAY DR, DUBUQUE, IA 52002-0482

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of October 7, 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	$2,260.00 Homeowner's exemption	$216,300 (+11.44%) Land $10,700 Building $205,600	$216,300 (+11.44%) Land $10,700 Building $205,600
2024	$2,260.00 (+8.34%)
2023		$194,100 (+24.07%) Land $10,700 Building $183,400	$194,100 (+24.07%) Land $10,700 Building $183,400
2022	$2,086.00 Homeowner's exemption	$156,440 Land $10,690 Building $145,750
2021			$156,440 Land $10,690 Building $145,750

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

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

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

May also be available: Maquoketa Valley Electric Cooperative.

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