5259 Karper Harbor Rd, Farley, IA 52046 Property Records

Dubuque County property record for 5259 Karper Harbor Rd, Farley, IA 52046

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 2002
Lot Size	8.77 acres (382,457 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Dec 2018)
Tax Bill	$3,806 (2024)
Deeds & Mortgages	Dec 2018 Sale & Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-06-401-002`

Property Details

APN / Parcel Number

Primary APN	`19-06-401-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,421 sqft Living Area
1st Floor Area	1,421 sqft
Basement Area	1,421 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	382,457 sqft (8.77 acres)
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	176 sqft
Utility Building	2,321 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	5259 KARPER HARBOR RD
City	FARLEY
State	IA
Zip	52046-9446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 1 NW SE - SEC 06 T87N R1W;
Legal Range	01W
Legal Township	87N
Legal Section	06
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	WHITEWATER
Census Block Group	3
Census Block	3028
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	5259 KARPER HARBOR RD, FARLEY, IA 52046-9446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2018	Warranty Deed, Transfer · ARM AMERICAN TRUST & SAVINGS BANK
Mar 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2018 · Amount on Record
Deed Sale	Dec 11, 2018 · Amount on Record
Deed Document Number	2018-00014614
Record Updated	Jun 7, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Dec 11, 2018
Property Address	5259 KARPER HARBOR RD, FARLEY, IA 52046-9446
Document Number	0000014614
Instrument Date	Dec 6, 2018
Instrument	2018-00014614
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5259 KARPER HARBOR RD, FARLEY, IA 52046-9446

Mortgage

Document Number	0000014615
Date	Dec 11, 2018
Instrument	2018-00014615

Lender

Name	AMERICAN TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Feb 1, 2028
Min Rate At Change	3.75%
Max Rate At Change	9.75%
Index	10-Year TN
Max Rate	9.75%

Mortgage

Document Number	0000014617
Date	Dec 11, 2018
Instrument	2018-00014617

Lender

Name	UNITED STATES DEPARTMENT OF AGRICULTURE
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Dec 7, 2058

Interest

Rate	2.5%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	5259 KARPER HARBOR RD, FARLEY, IA 52046-9446
Document Number	0000003298
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	May 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5259 KARPER HARBOR RD FARLEY IA 520469446, FARLEY, IA 52046-9446

Mortgage

Document Number	0000003298
Date	Mar 24, 2017
Instrument	3298

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 23, 2032

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		$406,800 (+20.07%) Land $114,300 Building $292,500	$406,800 (+20.07%) Land $114,300 Building $292,500
2024	$3,806.00 (+13.41%)
2023		$338,800 (+21.94%) Land $103,900 Building $234,900	$338,800 (+21.94%) Land $103,900 Building $234,900
2022	$3,356.00	$277,840 Land $83,250 Building $194,590
2021			$277,840 Land $83,250 Building $194,590

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	0.02% annual chance
Exposure	Indirect within 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cascade Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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