490 Oneill St, Dubuque, IA 52001 Property Records

Dubuque County property record for 490 Oneill St, Dubuque, IA 52001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1947
Lot Size	0.142 acres (6,200 sqft)
Owner	Individual Name on Record
Tax Bill	$1,760 (2024)
Deeds & Mortgages	May 2021 Line of Credit Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-13-128-004`

Property Details

APN / Parcel Number

Primary APN	`10-13-128-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft

Exterior

Year Built	Built 1947
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood Frame
Lot Area	6,200 sqft (0.142 acres)
Lot Dimensions	100 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	82 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	490 ONEILL ST
City	DUBUQUE
State	IA
Zip	52001-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 27B O'NEILLS RIVERVIEW & LOT 88 BELMONT
Legal Subdivision	AUDUBON
Legal Lot Number	88,27B
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	1
Census Block	1003
Census Tract	400

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	490 ONEILL ST, DUBUQUE, IA 52001-1251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU
Dec 12, 2018	Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	490 ONEILL ST, DUBUQUE, IA 52001-1251
Transaction Type	Mortgage
Record Updated	May 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007446
Date	May 10, 2021
Instrument	2021-00007446

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 9, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	490 ONEILL ST, DUBUQUE, IA 52001-1251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014650
Date	Dec 12, 2018
Instrument	2018-00014650

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 11, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$147,300 (+11.09%) Land $27,900 Building $119,400	$147,300 (+11.09%) Land $27,900 Building $119,400
2024	$1,760.00 (+38.36%)
2023		$132,600 (+60.47%) Land $24,800 Building $107,800	$132,600 (+60.47%) Land $24,800 Building $107,800
2022	$1,272.00 Homeowner's exemption	$82,630 Land $18,600 Building $64,030
2021			$82,630 Land $18,600 Building $64,030

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	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 655 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
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Comelec Internet Services, Nextlink, Verizon.

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