286 Southgate Dr, Dubuque, IA 52003 Property Records

Dubuque County property record for 286 Southgate Dr, Dubuque, IA 52003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,394 sqft · built 1961
Lot Size	0.386 acres (16,830 sqft)
Owner	Owner Name on File
Last Sale	$189,000 (May 2010)
Tax Bill	$4,254 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-35-101-004`

Property Details

APN / Parcel Number

Primary APN	`10-35-101-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,394 sqft Living Area
1st Floor Area	1,394 sqft
Basement Area	1,394 sqft
Finished Basement	900 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1990
Architectural Style	Raised Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	16,830 sqft (0.386 acres)
Lot Dimensions	187 ft deep x 90 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	35 sqft
Deck Area	648 sqft
Patio Area	648 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	286 SOUTHGATE DR
City	DUBUQUE
State	IA
Zip	52003-7156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 29 SOUTHGATE
Legal Subdivision	BRYANT
Legal Lot Number	29
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	1
Census Block	1006
Census Tract	802

Owner

The current owner of 286 Southgate Dr bought it in May 2010.

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

Owner of Record	Owner Name on File
Mailing Address	286 SOUTHGATE DR, DUBUQUE, IA 52003-7156
Occupancy	Owner Occupied

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
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage COLLINS COMMUNITY CU
Nov 26, 2018	Deed of Trust, Mortgage · ARM COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2010 · Amount on File
Deed Sale	May 27, 2010 · Amount on File
Deed Document Number	2010-00007123
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	286 SOUTHGATE DR, DUBUQUE, IA 52003-7156
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009303
Date	Jun 8, 2021
Instrument	2021-00009303

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

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

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	286 SOUTHGATE DR, DUBUQUE, IA 52003-7156
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013890
Date	Nov 26, 2018
Instrument	2018-00013890

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Dubuque County
Municipality	Dubuque City
Unified School District	Dubuque Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$321,400 Land $52,500 Building $268,900	$321,400 Land $52,500 Building $268,900
2024	$4,254.00
2023		$306,100 (+26.67%) Land $50,000 Building $256,100	$306,100 Land $50,000 Building $256,100
2022	$4,014.00 Homeowner's exemption	$241,660 Land $42,520 Building $199,140
2021			$241,660 Land $42,520 Building $199,140

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

Flood

FEMA maps place 286 Southgate Dr in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 286 Southgate Dr is low, with less than 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DUBUQUE WATER WORKS serves 59,667 people · EPA ID IA3126052
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Comelec Internet Services Fixed Wireless	280 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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