38 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 38 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 1955
Lot Size	0.201 acres (8,775 sqft)
Owner	Individual Name on Record
Last Sale	$118,500 (Feb 2020)
Tax Bill	$1,288 (2024)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-27-451-012`

Property Details

APN / Parcel Number

Primary APN	`20-27-451-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Finished Basement	200 sqft

Exterior

Year Built	Built 1955
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Wood Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,775 sqft (0.201 acres)
Lot Dimensions	130 ft deep x 45 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 15 & E 1/2 LOT 14 MELLOYS SUB;
Legal Subdivision	MELLOYS SUB
Legal Lot Number	14,15
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	2
Census Block	2048
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	38 BERNARD RD, BERNARD, IA 52032-9547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Jul 25, 2019	Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020 · Amount on Record
Deed Sale	Feb 28, 2020 · Amount on Record
Prior Sale	Jan 5, 2016
Deed Document Number	0000202456
Deed Book / Page	20 / 2456
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Feb 28, 2020
Property Address	38 BERNARD RD, BERNARD, IA 52032-9547
Document Number	0000002456
Instrument Date	Feb 28, 2020
Instrument	2020-00002456
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$188.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 BERNARD RD, BERNARD, IA 52032-9547

Mortgage

Document Number	0000002457
Date	Feb 28, 2020
Instrument	2020-00002457

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	38 BERNARD RD, BERNARD, IA 52032-9547
Document Number	0000007897
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 BERNARD RD BERNARD IA 520329547, BERNARD, IA 52032-9547

Mortgage

Document Number	0000007897
Date	Jul 25, 2019
Instrument	7897

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	DES MOINES, IA 50322-3732

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

Interest

Rate	2.5%

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		$125,600 (+9.41%) Land $7,800 Building $117,800	$125,600 (+9.41%) Land $7,800 Building $117,800
2024	$1,288.00 (+9.34%)
2023		$114,800 (+38.01%) Land $7,800 Building $107,000	$114,800 (+38.01%) Land $7,800 Building $107,000
2022	$1,178.00	$83,180 Land $7,840 Building $75,340
2021			$83,180 Land $7,840 Building $75,340

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 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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