28536 Bernard Rd, Bernard, IA 52032 Property Records

Jackson County property record for 28536 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,428 sqft · built 1962
Lot Size	1.48 acres (64,469 sqft)
Owner	Individual Name on Record
Last Sale	$349,000 (Nov 2024)
Tax Bill	$2,784 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`050403300016000`

Property Details

APN / Parcel Number

Primary APN	`050403300016000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
Basement Area	1,428 sqft
Finished Basement	700 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	64,469 sqft (1.48 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	43 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	28536 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL C PT LOT 1 OF NOONAN PL PT S1/2 SE SW SURV 1V-76
Legal Range	01E
Legal Township	86N
Legal Section	03
Legal Subdivision	NOONAN PLACE
Legal Lot Number	1
Jurisdiction	JACKSON IA
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2009
Census Tract	950100

Owner

Source: Jackson County records, as of October 20, 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	28536 BERNARD RD, BERNARD, IA 52032-9205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage NONE LISTED ON DOCUMENT
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit MIDWESTON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2024 · Amount on Record
Deed Sale	Nov 14, 2024 · Amount on Record
Prior Sale	May 25, 2022 · Amount on Record
Deed Document Number	20243105
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IA
Recording Date	Jul 27, 2026
Property Address	28536 BERNARD RD, BERNARD, IA 52032-9205
Document Number	0000002091
Instrument Date	Jul 27, 2026
Instrument	20262091
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IA
Property Address	28536 BERNARD RD, BERNARD, IA 52032-9205
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000223554
Date	Sep 30, 2022
Instrument	22-3554

Lender

Name	MIDWESTON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 30, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Jackson County
Unified School District	Western Dubuque County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,784.00	$285,200 (-) Land $41,300 Building $243,900	$285,200 (-) Land $41,300 Building $243,900
2025	$2,784.00 (+5.06%) Homeowner's exemption	$285,200 (+11.02%) Land $41,300 Building $243,900	$285,200 (+11.02%) Land $41,300 Building $243,900
2024	$2,650.00 (+25.47%)
2023		$256,900 Land $40,000 Building $216,900	$256,900 Land $40,000 Building $216,900
2022	$2,112.00

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 January 27, 2022 · 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

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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Cell Coverage

5G and 4G LTE (outdoors only)

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