Dubuque County property record for 631 Macaffrey St, Bernard, IA 52032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,456 sqft · built 2022 |
| Lot Size | 0.318 acres (13,839 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,036 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Jan 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-27-330-004 |
| Primary APN | 20-27-330-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Basement Area | 1,456 sqft |
| Unfinished Basement | 1,456 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,839 sqft (0.318 acres) |
| Garage Type | Attached |
| Garage Area | 850 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating Fuel | Geothermal |
| Street Address | 631 MACAFFREY ST |
|---|---|
| City | BERNARD |
| State | IA |
| Zip | 52032-4403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 KINSELLA 5TH ADDITION; |
| Legal Subdivision | KINSELLA FIFTH ADDITION |
| Legal Lot Number | 2 |
| Jurisdiction | DUBUQUE IA |
| Township / Civil Division | PRAIRIE CREEK |
| Census Block Group | 3 |
| Census Block | 3103 |
| Census Tract | 10300 |
631 Macaffrey St is owned by two individuals who acquired it in January 2026.
Source: Dubuque County records, as of April 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 631 MCCAFFERY ST, BERNARD, IA 52032 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 4, 2026 | Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU |
| Jan 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU |
| Jun 3, 2022 | Deed of Trust, Mortgage · Construction Mortgage DUPACO COMMUNITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 23, 2026 |
| Transfer Doc | 0000000871 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 631 MACAFFREY ST, BERNARD, IA 52032-4403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001139 |
|---|---|
| Date | Feb 4, 2026 |
| Instrument | 2026-00001139 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | 1000 JACKSON ST, DUBUQUE, IA 52001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 3, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 631 MACAFFREY ST, BERNARD, IA 52032-4403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 126, BERNARD, IA 52032-0126 |
| Document Number | 0000000872 |
|---|---|
| Date | Jan 28, 2026 |
| Instrument | 2026-00000872 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | 3999 PENNSYLVANIA AVE, DUBUQUE, IA 52002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 631 MACAFFREY ST, BERNARD, IA 52032-4403 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3507 KEYSTONE DR, DUBUQUE, IA 52002-3769 |
| Document Number | 0000007018 |
|---|---|
| Date | Jun 3, 2022 |
| Instrument | 2022-00007018 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52002 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 369 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2% |
| Type Change Date | Mar 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 4% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8% |
The 2025 property tax bill for 631 Macaffrey St was $3,036.
Source: Dubuque County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| Municipality | Bernard City |
| County | Dubuque County |
| Unified School District | Western Dubuque County Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,036.00 | $227,200 Land $25,200 Building $202,000 | $227,200 Land $25,200 Building $202,000 |
| 2024 | $3,036.00 | ||
| 2023 | $224,400 (+32,421.74%) Land $25,200 Building $199,200 | $224,400 Land $25,200 Building $199,200 | |
| 2022 | $12.00 Additional exemption filed | $690 Land $690 | |
| 2021 | $690 Land $690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 631 Macaffrey St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 risk around 631 Macaffrey St is low, with less than 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BERNARD WATER SYSTEM serves 114 people · EPA ID IA3113001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
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 |
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