4768 Sundown Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 4768 Sundown Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,232 sqft · built 2017
Lot Size	1.55 acres (67,954 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,924 (2024)
Deeds & Mortgages	May 2020 Mortgage Sep 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`20-08-251-001`

Property Details

APN / Parcel Number

Primary APN	`20-08-251-001`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,232 sqft Living Area
Basement Area	2,232 sqft
Finished Basement	1,435 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	67,954 sqft (1.55 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	108 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	4768 SUNDOWN RD
City	BERNARD
State	IA
Zip	52032-9712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 DONOVAN FARM;
Legal Subdivision	DONOVAN FARM
Legal Lot Number	2
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3090
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	2 Individual Names on Record
Mailing Address	4768 SUNDOWN RD, BERNARD, IA 52032-9712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWESTONE BANK
Sep 15, 2017	Trustee's Deed, Construction Loan · Construction Mortgage AMERICAN TR & SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	4768 SUNDOWN RD, BERNARD, IA 52032-9712
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006797
Date	May 21, 2020
Instrument	2020-00006797

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DUBUQUE IA
Recording Date	Sep 15, 2017
Property Address	4768 SUNDOWN RD, BERNARD, IA 52032-9712
Instrument Date	Sep 15, 2017
Instrument	11522
Transaction Type	Construction Loan
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3560 LUNAR DR DUBUQUE IA 520036731, DUBUQUE, IA 52003-6731

Mortgage

Document Number	0000011522
Date	Sep 15, 2017
Instrument	11522

Lender

Name	AMERICAN TR & SVGS BK
Type	Federal Savings Bank
Address	DUBUQUE, IA 52001

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2047

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		$520,300 (+10.56%) Land $67,800 Building $452,500	$520,300 (+10.56%) Land $67,800 Building $452,500
2024	$4,924.00 (+4.63%)
2023		$470,600 (+18.05%) Land $64,600 Building $406,000	$470,600 (+18.05%) Land $64,600 Building $406,000
2022	$4,706.00 Homeowner's exemption	$398,650 Land $49,690 Building $348,960
2021			$398,650 Land $49,690 Building $348,960

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 80% of the US · above 49% of Iowa
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bernard Telephone Company Fiber	1,000 / 1,000
Nextlink Fixed Wireless	100 / 20

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