596 Curoe Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 596 Curoe Rd, Bernard, IA 52032

Property Summary

Property Type	Rural Home
Details	4 bd · 4 ba · 2,118 sqft · built 1999
Lot Size	14.7 acres (643,381 sqft)
Owner	Individual Name on File
Tax Bill	$3,838 (2024)
Deeds & Mortgages	Mar 2022 Line of Credit Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`20-31-251-003`

Property Details

APN / Parcel Number

Primary APN	`20-31-251-003`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,118 sqft Living Area
1st Floor Area	1,356 sqft
Attic Area	746 sqft
Basement Area	1,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Lot Area	643,381 sqft (14.7 acres)
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Patio Area	196 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	596 CUROE RD
City	BERNARD
State	IA
Zip	52032-9556
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CO
Legal Description	LOT 2 SW NE - SEC 31 T87N R1E;
Legal Range	01E
Legal Township	87N
Legal Section	31
Legal Lot Number	2
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3117
Census Tract	10300

Owner

Source: Dubuque County assessment roll, as of May 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	596 CUROE RD, BERNARD, IA 52032-9556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Jun 6, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jun 6, 2022
Transfer Doc	0000007080
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	596 CUROE RD, BERNARD, IA 52032-9556
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003925
Date	Mar 28, 2022
Instrument	2022-00003925

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jun 6, 2022
Property Address	596 CUROE RD, BERNARD, IA 52032-9556
Document Number	0000007080
Instrument Date	May 17, 2022
Instrument	2022-00007080
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Tax	$343.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	596 CUROE ROAD, HORICON, WI 53032
Investor	Possibly a Property Investor

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		$389,301 (+14.74%) Land $44,501 Building $344,800	$389,301 (+14.74%) Land $44,501 Building $344,800
2024	$3,838.00 (+11.12%)
2023		$339,299 (+26.74%) Land $35,399 Building $303,900	$339,299 (+26.74%) Land $35,399 Building $303,900
2022	$3,454.00 Additional exemption filed	$267,720 Land $28,060 Building $239,660
2021			$267,720 Land $28,060 Building $239,660

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	0.01% annual chance
Exposure	Indirect within ember reach

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)
Bernard Telephone Company Fiber	1,000 / 1,000
Maquoketa Valley Rural Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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