3641 Sundown Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 3641 Sundown Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,989 sqft · built 2017
Lot Size	1.8 acres (78,844 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Jun 2017)
Tax Bill	$4,994 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-18-276-001`

Property Details

APN / Parcel Number

Primary APN	`20-18-276-001`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,989 sqft Living Area
Basement Area	1,989 sqft
Finished Basement	1,330 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	78,844 sqft (1.8 acres)
Garage Type	Attached
Garage Area	1,171 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	411 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	3641 SUNDOWN RD
City	BERNARD
State	IA
Zip	52032-9745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 WEBER FARM SUB;
Legal Subdivision	WEBER FARM SUB
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3079
Census Tract	10300

Owner

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

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	2 Individual Names on File
Mailing Address	3641 SUNDOWN RD, BERNARD, IA 52032-9745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SAVINGS BANK
Jul 20, 2017	Trustee's Deed, Construction Loan · Construction Mortgage AMERICAN TR & SVGS BK
Jun 15, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2017 · Amount on File
Deed Sale	Jun 15, 2017 · Amount on File
Prior Sale	Jun 15, 2017
Deed Document Number	2017-00007189
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	3641 SUNDOWN RD, BERNARD, IA 52032
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3641 SUNDOWN RD, BERNARD, IA 52032

Mortgage

Document Number	0000019539
Date	Dec 9, 2020
Instrument	2020-00019539

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank
Address	EDGEWOOD, IA 52042

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jul 20, 2017
Property Address	3641 SUNDOWN RD, BERNARD, IA 52032
Instrument Date	Jul 18, 2017
Instrument	9000
Transaction Type	Construction Loan
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3585 SUNDOWN RD BERNARD IA 520329742, BERNARD, IA 52032-9742

Mortgage

Document Number	0000009000
Date	Jul 20, 2017
Instrument	9000

Lender

Name	AMERICAN TR & SVGS BK
Type	Funding / Finance Company
Address	895 MAIN ST, DUBUQUE, IA 52001-6852

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jun 15, 2017
Property Address	3641 SUNDOWN RD, BERNARD, IA 52032
Document Number	0000007189
Instrument Date	Jun 7, 2017
Instrument	7189
Transaction Type	Transfer
Record Updated	Nov 8, 2018

Transaction

Amount	Amount on Record
Tax	$56.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3585 SUNDOWN RD BERNARD IA 520329742, BERNARD, IA 52032-9742

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 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		$516,700 (+8.3%) Land $69,700 Building $447,000	$516,700 (+8.3%) Land $69,700 Building $447,000
2024	$4,994.00 (+8.99%)
2023		$477,100 (+22.88%) Land $66,400 Building $410,700	$477,100 (+22.88%) Land $66,400 Building $410,700
2022	$4,582.00 Homeowner's exemption	$388,280 Land $51,070 Building $337,210
2021			$388,280 Land $51,070 Building $337,210

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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.01% 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

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