509 Graf Rd, Durango, IA 52039 Property Records

Dubuque County property record for 509 Graf Rd, Durango, IA 52039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,064 sqft · built 1959
Lot Size	0.366 acres (15,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$127,500 (Nov 2018)
Tax Bill	$1,502 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-29-180-005`

Property Details

APN / Parcel Number

Primary APN	`09-29-180-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Finished Basement	300 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Architectural Style	Raised Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,950 sqft (0.366 acres)
Lot Dimensions	110 ft deep x 145 ft wide
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	509 GRAF RD
City	DURANGO
State	IA
Zip	52039-9635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 2-1-3 EXC NE'LY 98.19' GRAF STATION;
Legal Subdivision	GRAF STATION
Legal Lot Number	1-3 1
Jurisdiction	DUBUQUE IA
Township / Civil Division	CENTER
Census Block Group	4
Census Block	4020
Census Tract	10201

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
Co-owner	Co-owner on Record
Mailing Address	509 GRAF RD, DURANGO, IA 52039-9635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage DEERE EMPLOYEES CU
Nov 5, 2018	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP
Jun 28, 2018	Deed of Trust, Mortgage · Line of Credit DUBUQUE BK&TR

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Nov 5, 2018 · Amount on Record
Deed Document Number	0000013031
Last Transfer Date	Jul 26, 2021
Transfer Doc	0000012293
Record Updated	Jun 7, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DUBUQUE IA
Recording Date	Jul 26, 2021
Property Address	509 GRAF RD, DURANGO, IA 52039-9635
Document Number	0000012293
Instrument Date	Jul 20, 2021
Instrument	2021-00012293
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	509 GRAF RD, DURANGO, IA 52039-9635

Mortgage

Document Number	0000012294
Date	Jul 26, 2021
Instrument	2021-00012294

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Nov 5, 2018
Property Address	509 GRAF RD, DURANGO, IA 52039-9635
Document Number	0000013031
Instrument Date	Oct 31, 2018
Instrument	2018-00013031
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$204.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 GRAF RD, DURANGO, IA 52039-9635

Mortgage

Document Number	0000013032
Date	Nov 5, 2018
Instrument	2018-00013032

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	509 GRAF RD, DURANGO, IA 52039-9635
Document Number	0000007946
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 GRAF RD DURANGO IA 520399635, DURANGO, IA 52039-9635

Mortgage

Document Number	0000007946
Date	Jul 13, 2018
Instrument	7946

Lender

Name	DUBUQUE BK&TR
Type	Bank
Address	DUBUQUE, IA 52004

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$170,200 (+9.45%) Land $30,000 Building $140,200	$170,200 (+9.45%) Land $30,000 Building $140,200
2024	$1,502.00 (-0.79%)
2023		$155,500 (+24.68%) Land $30,000 Building $125,500	$155,500 (+24.68%) Land $30,000 Building $125,500
2022	$1,514.00 Homeowner's exemption	$124,720 Land $30,020 Building $94,700
2021			$124,720 Land $30,020 Building $94,700

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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	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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Maquoketa Valley Electric Cooperative Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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