5739 Sundown Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 5739 Sundown Rd, Bernard, IA 52032

Property Summary

Property Type	Rural Home
Details	4 bd · 4 ba · 2,008 sqft · built 1993
Lot Size	38.7 acres (1,689,692 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,872 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-05-200-004`

Property Details

APN / Parcel Number

Primary APN	`20-05-200-004`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,008 sqft Living Area
1st Floor Area	1,624 sqft
Basement Area	1,624 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 1993
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Lot Area	1,689,692 sqft (38.7 acres)
Garage Type	Mixed
Garage Area	2,104 sqft
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Geothermal

Location & Zoning

Street Address	5739 SUNDOWN RD
City	BERNARD
State	IA
Zip	52032-9744
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CO
Legal Description	SE NE - SEC 05 T87N R1E;
Legal Range	01E
Legal Township	87N
Legal Section	05
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3080
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	5739 SUNDOWN RD, BERNARD, IA 52032-9744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU
Oct 18, 2019	Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage DUTRAC COMMUNITY CU
Sep 10, 2019	Warranty Deed, Transfer NOT AVAILABLE
Sep 10, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

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

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	5739 SUNDOWN RD, BERNARD, IA 52032-9744
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5739 SUNDOWN RD, BERNARD, IA 52032-9744

Mortgage

Document Number	0000007041
Date	Jun 3, 2022
Instrument	2022-00007041

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 2, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	5739 SUNDOWN RD, BERNARD, IA 52032-9744
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012686
Date	Oct 18, 2019
Instrument	2019-00012686

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 17, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	5739 SUNDOWN RD, BERNARD, IA 52032-9744
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012780
Date	Aug 3, 2021
Instrument	2021-00012780

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Sep 10, 2019
Property Address	5739 SUNDOWN RD, BERNARD, IA 52032-9744
Document Number	0000010748
Instrument Date	Sep 9, 2019
Instrument	10748
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5739 SUNDOWN RD BERNARD IA 520329744, BERNARD, IA 52032-9744

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DUBUQUE IA
Recording Date	Sep 10, 2019
Property Address	5739 SUNDOWN RD, BERNARD, IA 52032-9744
Document Number	0000010747
Instrument Date	Aug 21, 2019
Instrument	10747
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	895 MAIN ST DUBUQUE IA 520016852, DUBUQUE, IA 52001-6852

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		$383,620 (+14.69%) Land $91,620 Building $292,000	$383,620 (+14.69%) Land $91,620 Building $292,000
2024	$3,872.00 (+12.75%)
2023		$334,475 (+29.77%) Land $73,075 Building $261,400	$334,475 (+29.77%) Land $73,075 Building $261,400
2022	$3,434.00 Homeowner's exemption Additional exemption filed	$257,750 Land $57,750 Building $200,000
2021			$257,750 Land $57,750 Building $200,000

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

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

Nearby Properties on Sundown Rd

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