2902 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 2902 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 2,231 sqft · built 2004
Lot Size	4.47 acres (194,713 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,758 (2025)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-23-101-001`

Property Details

APN / Parcel Number

Primary APN	`20-23-101-001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,231 sqft Living Area
1st Floor Area	1,785 sqft
Attic	Attic
Attic Area	446 sqft
Basement Area	1,785 sqft
Unfinished Basement	1,785 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	194,713 sqft (4.47 acres)
Garage Type	Attached
Garage Area	980 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	80 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Geothermal

Location & Zoning

Street Address	2902 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9585
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 2-1 MELOY 3RD ADDITION;
Legal Range	01E
Legal Township	87N
Legal Section	23
Legal Subdivision	3RD ADDITION
Legal Lot Number	1,2
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	2
Census Block	2037
Census Tract	10300

Owner

Source: Dubuque County records, as of August 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 5, BERNARD, IA 52032-0005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	2902 BERNARD RD, BERNARD, IA 52032-9585
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000522
Date	Jan 11, 2017
Instrument	2017-00000522

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

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	$3,758.00 Homeowner's exemption	$408,212 (+12.31%) Land $6,012 Building $402,200	$408,212 (+12.31%) Land $6,012 Building $402,200
2024	$3,758.00 (+7.13%)
2023		$363,456 (+23.88%) Land $4,556 Building $358,900	$363,456 (+23.88%) Land $4,556 Building $358,900
2022	$3,508.00 Homeowner's exemption Additional exemption filed	$293,390 Land $3,630 Building $289,760
2021			$293,390 Land $3,630 Building $289,760

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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.02% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bernard Telephone Company Fiber	1,000 / 1,000
Maquoketa Valley Electric Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bernard Rd

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