554 Sapphire Cir, Dubuque, IA 52001 Property Records

Dubuque County property record for 554 Sapphire Cir, Dubuque, IA 52001

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,529 sqft · built 2018
Lot Size	0.361 acres (15,750 sqft)
Owner	Individual Name on File
Last Sale	$307,500 (Apr 2023)
Tax Bill	$4,322 (2024)
Deeds & Mortgages	Apr 2023 Sale Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-02-479-004`

Property Details

APN / Parcel Number

Primary APN	`10-02-479-004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,529 sqft Living Area
Basement Area	1,529 sqft
Finished Basement	833 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,750 sqft (0.361 acres)
Lot Dimensions	150 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	706 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	326 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	554 SAPPHIRE CIR
City	DUBUQUE
State	IA
Zip	52001-8511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 21 EMERALD ACRES #2
Legal Subdivision	MARSHALL
Legal Lot Number	21
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	2
Census Block	2012
Census Tract	10103

Owner

554 Sapphire Cir is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	554 SAPPHIRE CIR, DUBUQUE, IA 52001-8511
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
Apr 21, 2023	Warranty Deed, Transfer
Sep 1, 2020	Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU
Nov 20, 2018	Warranty Deed, Transfer · Conventional Mortgage DUTRAC COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2023 · Amount on File
Deed Sale	Apr 21, 2023 · Amount on File
Prior Sale	Nov 20, 2018 · Amount on File
Deed Document Number	0020233554
Deed Book / Page	2023 / 3554
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Apr 21, 2023
Property Address	554 SAPPHIRE CIR, DUBUQUE, IA 52001-8511
Document Number	0000003554
Instrument Date	Apr 21, 2023
Instrument	2023-00003554
Transaction Type	Transfer
Record Updated	May 9, 2023

Transaction

Amount	Amount on Record
Tax	$491.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 SAPPHIRE CIR, DUBUQUE, IA 52001-8511

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	554 SAPPHIRE CIR, DUBUQUE, IA 52001-8511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013106
Date	Sep 1, 2020
Instrument	2020-00013106

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 31, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Nov 20, 2018
Property Address	554 SAPPHIRE CIR, DUBUQUE, IA 52001-8511
Document Number	0000013695
Instrument Date	Nov 16, 2018
Instrument	2018-00013695
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	$384.80
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	554 SAPPHIRE CIR, DUBUQUE, IA 52001-8511

Mortgage

Document Number	0000013696
Date	Nov 20, 2018
Instrument	2018-00013696

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

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		$351,500 Land $58,800 Building $292,700	$351,500 Land $58,800 Building $292,700
2024	$4,322.00
2023		$310,800 (+14.13%) Land $52,900 Building $257,900	$310,800 Land $52,900 Building $257,900
2022	$4,542.00 Homeowner's exemption	$272,320 Land $41,160 Building $231,160
2021			$272,320 Land $41,160 Building $231,160

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

Flood

FEMA maps place 554 Sapphire Cir in Zone X, an area of minimal flood risk.

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	6 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

Wildfire risk around 554 Sapphire Cir is low, with 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 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.

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
CenturyLink DSL	140 / 20

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

Nearby Properties on Sapphire Cir

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