450 Esther St, Dubuque, IA 52003 Property Records

Dubuque County property record for 450 Esther St, Dubuque, IA 52003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,296 sqft · built 1947
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (May 2022)
Tax Bill	$2,552 (2024)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-36-207-001`

Property Details

APN / Parcel Number

Primary APN	`10-36-207-001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	884 sqft
Attic Area	309 sqft
Basement Area	884 sqft
Finished Basement	250 sqft

Exterior

Year Built	Built 1947
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	100 ft deep x 78 ft wide
Porch	Porch
Porch Area	235 sqft
Patio Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	450 ESTHER ST
City	DUBUQUE
State	IA
Zip	52003-7812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 8 & LOT 1-9 RYDERS SUB
Legal Subdivision	BRYANT
Legal Lot Number	1-9
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	3
Census Block	3001
Census Tract	801

Owner

450 Esther St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	450 ESTHER ST, DUBUQUE, IA 52003-7812
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
May 23, 2022	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU
Dec 18, 2020	Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CU
Oct 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage DUPACO CMNTY CU
May 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage ALLIANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2022 · Amount on File
Deed Sale	May 23, 2022 · Amount on File
Prior Sale	Dec 18, 2020 · Amount on File
Deed Document Number	2022-00006568
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	May 23, 2022
Property Address	450 ESTHER ST, DUBUQUE, IA 52003-7812
Document Number	0000006568
Instrument Date	May 18, 2022
Instrument	2022-00006568
Transaction Type	Transfer
Record Updated	Jun 2, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$284.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	450 ESTHER ST, DUBUQUE, IA 52003-7812

Mortgage

Document Number	0000006569
Date	May 23, 2022
Instrument	2022-00006569

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

Mortgage

Document Number	0000006570
Date	May 23, 2022
Instrument	2022-00006570

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2032

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Dec 18, 2020
Property Address	450 ESTHER ST, DUBUQUE, IA 52003-7812
Document Number	0000020244
Instrument Date	Dec 10, 2020
Instrument	2020-00020244
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 ESTHER ST, DUBUQUE, IA 52003-7812

Mortgage

Document Number	0000020245
Date	Dec 18, 2020
Instrument	2020-00020245

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	450 ESTHER ST, DUBUQUE, IA 52003-7812
Document Number	0000011900
Instrument Date	Oct 4, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 ESTHER ST DUBUQUE IA 520037812, DUBUQUE, IA 52003-7812

Mortgage

Document Number	0000011900
Date	Oct 9, 2018
Instrument	11900

Lender

Name	DUPACO CMNTY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	450 ESTHER ST, DUBUQUE, IA 52003-7812
Document Number	0000005725
Instrument Date	May 16, 2017
Transaction Type	Mortgage
Record Updated	Jun 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 ESTHER ST DUBUQUE IA 520037812, DUBUQUE, IA 52003-7812

Mortgage

Document Number	0000005725
Date	May 17, 2017
Instrument	5725

Lender

Name	ALLIANT CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Dubuque County
Municipality	Dubuque City
Unified School District	Dubuque Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$206,700 Land $42,900 Building $163,800	$206,700 Land $42,900 Building $163,800
2024	$2,552.00
2023		$187,700 (+29.48%) Land $39,000 Building $148,700	$187,700 Land $39,000 Building $148,700
2022	$2,346.00 Homeowner's exemption	$144,970 Land $35,100 Building $109,870
2021			$144,970 Land $35,100 Building $109,870

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

Flood

FEMA maps place 450 Esther St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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 Claims	1 (2011)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 450 Esther St 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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	DUBUQUE WATER WORKS serves 59,667 people · EPA ID IA3126052
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	5 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Comelec Internet Services, Nextlink.

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