309 Jess St, Bernard, IA 52032 Property Records

Dubuque County property record for 309 Jess St, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,400 sqft · built 1925
Lot Size	0.232 acres (10,140 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Jan 2022)
Tax Bill	$1,346 (2024)
Deeds & Mortgages	Oct 2023 Line of Credit Jan 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-27-327-007`

Property Details

APN / Parcel Number

Primary APN	`20-27-327-007`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,400 sqft Living Area
1st Floor Area	780 sqft
Upper Floors Area	1,200 sqft
Basement Area	780 sqft

Exterior

Year Built	Built 1925
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Asphalt
Lot Area	10,140 sqft (0.232 acres)
Lot Dimensions	130 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	100 sqft
Deck Area	204 sqft
Patio Area	498 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	309 JESS ST
City	BERNARD
State	IA
Zip	52032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 54 & 55 BERNARD A.K.A MELLARY;
Legal Lot Number	54,55 55
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3103
Census Tract	10300

Owner

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

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	309 JESS ST, BERNARD, IA 52032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Jan 4, 2022	Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CU
Oct 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 2, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2022 · Amount on Record
Deed Sale	Jan 4, 2022 · Amount on Record
Deed Document Number	2022-00000227
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	309 JESS ST, BERNARD, IA 52032
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009673
Date	Oct 11, 2023
Instrument	2023-00009673

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 10, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jan 4, 2022
Property Address	309 JESS ST, BERNARD, IA 52032
Document Number	0000000227
Instrument Date	Dec 10, 2021
Instrument	2022-00000227
Transaction Type	Transfer
Record Updated	Jan 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 JESS ST, BERNARD, IA 52032

Mortgage

Document Number	0000000228
Date	Jan 4, 2022
Instrument	2022-00000228

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUBUQUE IA
Recording Date	Oct 1, 2020
Property Address	309 JESS ST, BERNARD, IA 52032
Document Number	0000014985
Instrument Date	Sep 28, 2020
Instrument	14985
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 JESS ST BERNARD IA 520324402, BERNARD, IA 52032-4402

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUBUQUE IA
Recording Date	Oct 2, 2020
Property Address	309 JESS ST, BERNARD, IA 52032
Document Number	0000015060
Instrument Date	Sep 25, 2020
Instrument	15060
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 JESS ST BERNARD IA 520324402, BERNARD, IA 52032-4402

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUBUQUE IA
Recording Date	Oct 1, 2020
Property Address	309 JESS ST, BERNARD, IA 52032
Document Number	0000014984
Instrument Date	Sep 24, 2020
Instrument	14984
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 JESS ST BERNARD IA 520324402, BERNARD, IA 52032-4402

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUBUQUE IA
Recording Date	Oct 1, 2020
Property Address	309 JESS ST, BERNARD, IA 52032
Document Number	0000014982
Instrument Date	Sep 24, 2020
Instrument	14982
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 JESS ST BERNARD IA 520324402, BERNARD, IA 52032-4402

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Bernard City
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		$120,100 (+9.88%) Land $17,200 Building $102,900	$120,100 (+9.88%) Land $17,200 Building $102,900
2024	$1,346.00 (+58.73%)
2023		$109,300 (+59.19%) Land $17,200 Building $92,100	$109,300 (+59.19%) Land $17,200 Building $92,100
2022	$848.00 Homeowner's exemption	$68,660 Land $17,200 Building $51,460
2021			$68,660 Land $17,200 Building $51,460

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 · 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
Nearby Flood Claims	1 (2011)
Most Recent Claim	Jul 2011 · Severe Storms And Flooding

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 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.

Drinking Water

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

Water System	BERNARD WATER SYSTEM serves 114 people · EPA ID IA3113001
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

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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