28709 Bernard Rd, Bernard, IA 52032 Property Records

Jackson County property record for 28709 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,732 sqft · built 1973
Lot Size	4.5 acres (196,020 sqft)
Owner	Individual Name on File
Tax Bill	$4,160 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050403300009000`

Property Details

APN / Parcel Number

Primary APN	`050403300009000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,732 sqft Living Area
1st Floor Area	1,680 sqft
Basement Area	1,680 sqft
Finished Basement	725 sqft
Unfinished Basement	955 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	196,020 sqft (4.5 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	130 sqft
Deck Area	96 sqft
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	28709 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9287
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N1/2 SE SW E OF RD
Legal Range	01E
Legal Township	86N
Legal Section	03
Jurisdiction	JACKSON IA
Township / Civil Division	BUTLER
Census Block Group	1
Census Block	1010
Census Tract	950100

Owner

28709 Bernard Rd is owned and occupied by an individual.

Source: Jackson County records, as of October 20, 2026

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

Owner of Record	Individual Name on File
Mailing Address	28709 BERNARD RD, BERNARD, IA 52032-9287
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage NONE LISTED ON DOCUMENT
Mar 8, 2017	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Mar 29, 2018	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CREDIT UNION
Mar 29, 2018	Deed of Trust, Mortgage · ARM DEERE EMPLOYEES CREDIT UNION
Oct 7, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage DUPACO COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
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	28709 BERNARD RD, BERNARD, IA 52032-9287
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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IA
Property Address	28709 BERNARD RD, BERNARD, IA 52032-9287
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0830
Date	Mar 8, 2017
Book Page	2017/0830
Instrument	17-0830

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Mar 25, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IA
Property Address	28709 BERNARD RD, BERNARD, IA 52032-9287
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000956
Date	Mar 29, 2018
Book Page	0000002018/0000000956
Instrument	00000018-956

Lender

Name	DEERE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	82 Months
Due	Jan 1, 2025

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IA
Property Address	28709 BERNARD RD, BERNARD, IA 52032-9287
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000955
Date	Mar 29, 2018
Book Page	0000002018/0000000955
Instrument	00000018-955

Lender

Name	DEERE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.3%
Type Change Date	Apr 1, 2025
Index	1-Year CMT

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IA
Recording Date	Oct 7, 2019
Property Address	28709 BERNARD RD, BERNARD, IA 52032-9287
Document Number	0000193277
Instrument Date	Sep 26, 2019
Instrument	19-3277
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28709 BERNARD RD, BERNARD, IA 52032-9287

Mortgage

Document Number	0000193279
Date	Oct 7, 2019
Instrument	19-3279

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

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	$4,160.00	$420,800 (-) Land $52,500 Building $368,300	$420,800 (-) Land $52,500 Building $368,300
2025	$4,160.00 (+5.58%) Homeowner's exemption	$420,800 (+11.65%) Land $52,500 Building $368,300	$420,800 (+11.65%) Land $52,500 Building $368,300
2024	$3,940.00 (+17.54%)
2023		$376,900 Land $47,500 Building $329,400	$376,900 Land $47,500 Building $329,400
2022	$3,352.00

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

Flood

FEMA maps place 28709 Bernard Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 27, 2022

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 28709 Bernard Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Bernard Rd

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