Dubuque County property record for 3460 Bernard Rd, Bernard, IA 52032
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,414 sqft · built 1933 |
| Lot Size | 13.7 acres (600,257 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $260,000 (Oct 2019) |
| Tax Bill | $1,746 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-14-326-001 |
| Primary APN | 20-14-326-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,414 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Basement Area | 832 sqft |
| Year Built | Built 1933 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Vinyl |
| Construction Type | Wood Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 600,257 sqft (13.7 acres) |
| Garage Type | Detached |
| Garage Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 660 sqft |
| Deck Area | 460 sqft |
| Patio Area | 460 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 3460 BERNARD RD |
|---|---|
| City | BERNARD |
| State | IA |
| Zip | 52032-9526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | LOT 1 STEFFEN ACRES; |
| Legal Subdivision | STEFFEN ACRES |
| Legal Lot Number | 1 |
| Jurisdiction | DUBUQUE IA |
| Township / Civil Division | PRAIRIE CREEK |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 10300 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3460 BERNARD RD, BERNARD, IA 52032-9526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST |
| Jan 7, 2021 | Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU |
| Apr 21, 2021 | Deed of Trust, Mortgage · Line of Credit FIDELITY BANK & TRUST |
| Oct 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage DUTRAC COMMUNITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2019 · Amount on Record |
| Deed Sale | Oct 29, 2019 · Amount on Record |
| Deed Document Number | 2019-00013309 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 3460 BERNARD RD, BERNARD, IA 52032-9526 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004800 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2021000004800 |
| Name | FIDELITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | CASCADE, IA 52033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 3460 BERNARD RD, BERNARD, IA 52032-9526 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3460 BERNARD RD, BERNARD, IA 52032-9526 |
| Document Number | 0000000357 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 2021-00000357 |
| Name | DUTRAC COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 3460 BERNARD RD, BERNARD, IA 52032-9526 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3460 BERNARD RD, BERNARD, IA 52032-9526 |
| Document Number | 0000006339 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 2021-00006339 |
| Name | FIDELITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | CASCADE, IA 52033 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 14, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Recording Date | Oct 29, 2019 |
| Property Address | 3460 BERNARD RD, BERNARD, IA 52032-9526 |
| Document Number | 0000013309 |
| Map Reference | DOC 2017-9162 |
| Instrument Date | Oct 28, 2019 |
| Instrument | 2019-00013309 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $415.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3460 BERNARD RD, BERNARD, IA 52032-9526 |
| Document Number | 0000013310 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 2019-00013310 |
| Name | DUTRAC COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Dubuque County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Dubuque County |
| Unified School District | Western Dubuque County Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $186,549 (+14.42%) Land $17,049 Building $169,500 | $186,549 (+14.42%) Land $17,049 Building $169,500 | |
| 2024 | $1,746.00 (+19.1%) | ||
| 2023 | $163,032 (+35.17%) Land $12,732 Building $150,300 | $163,032 (+35.17%) Land $12,732 Building $150,300 | |
| 2022 | $1,466.00 Additional exemption filed | $120,610 Land $10,190 Building $110,420 | |
| 2021 | $120,610 Land $10,190 Building $110,420 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 65% 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.
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 |
| Maquoketa Valley Electric Cooperative Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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