318 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 318 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1900
Lot Size	0.21 acres (9,180 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Nov 2021)
Tax Bill	$1,084 (2024)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2021 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-27-401-003`

Property Details

APN / Parcel Number

Primary APN	`20-27-401-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	672 sqft
Basement Area	288 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	9,180 sqft (0.21 acres)
Lot Dimensions	135 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	318 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 2-1-1-2-1-1 & N 1/2 LOT 1-2-1-2-1-1 NW SE - SEC 27 T87N R1E;
Legal Range	01E
Legal Township	87N
Legal Section	27
Legal Lot Number	1,2 1
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	2
Census Block	2039
Census Tract	10300

Owner

318 Bernard Rd is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	318 BERNARD RD, BERNARD, IA 52032-9523
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 29, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS STATE BANK
Nov 15, 2021	Warranty Deed, Transfer
Apr 13, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDWESTONE BANK
Aug 14, 2020	Deed of Trust, Mortgage NOT AVAILABLE
Jul 2, 2020	Warranty Deed, Transfer NOT AVAILABLE
Jul 30, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2021 · Amount on File
Deed Sale	Nov 15, 2021 · Amount on File
Prior Sale	Apr 13, 2021 · Amount on File
Deed Document Number	2021-00018760
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	318 BERNARD RD, BERNARD, IA 52032-9523
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009314
Date	Sep 29, 2023
Instrument	2023-00009314

Lender

Name	CITIZENS STATE BANK
Type	Bank
Address	MONTICELLO, IA 52310

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Nov 15, 2021
Property Address	318 BERNARD RD, BERNARD, IA 52032-9523
Document Number	0000018760
Instrument Date	Nov 12, 2021
Instrument	2021-00018760
Transaction Type	Transfer
Record Updated	Nov 26, 2021

Transaction

Amount	Amount on Record
Tax	$167.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 BERNARD RD, BERNARD, IA 52032-9523

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Apr 13, 2021
Property Address	318 BERNARD RD, BERNARD, IA 52032-9523
Document Number	0000005803
Instrument Date	Apr 8, 2021
Instrument	2021-00005803
Transaction Type	Transfer
Record Updated	Nov 26, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 BERNARD RD, BERNARD, IA 52032-9523

Mortgage

Document Number	0000005804
Date	Apr 13, 2021
Instrument	2021-00005804

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	318 BERNARD RD, BERNARD, IA 52032-9523
Document Number	0000012275
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	318 BERNARD RD BERNARD IA 520329523, BERNARD, IA 52032-9523

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jul 2, 2020
Property Address	318 BERNARD RD, BERNARD, IA 52032-9523
Document Number	0000009487
Instrument Date	Jul 1, 2020
Instrument	9487
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	308 ADAMS ST SE CASCADE IA 520339688, CASCADE, IA 52033-9688

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jul 30, 2018
Property Address	318 BERNARD RD, BERNARD, IA 52032-9523
Document Number	0000008648
Instrument Date	Jul 27, 2018
Instrument	8648
Transaction Type	Transfer
Record Updated	Aug 29, 2018

Transaction

Amount	Amount on Record
Tax	$87.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	318 BERNARD RD BERNARD IA 520329523, BERNARD, IA 52032-9523

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		$96,700 Land $15,100 Building $81,600	$96,700 Land $15,100 Building $81,600
2024	$1,084.00
2023		$88,100 (+30.06%) Land $15,100 Building $73,000	$88,100 Land $15,100 Building $73,000
2022	$960.00	$67,740 Land $15,150 Building $52,590
2021			$67,740 Land $15,150 Building $52,590

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

Flood

FEMA maps place 318 Bernard Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 318 Bernard Rd 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 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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