640 Florence St, Dubuque, IA 52003 Property Records

Dubuque County property record for 640 Florence St, Dubuque, IA 52003

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 4,742 sqft · built 2006
Lot Size	0.481 acres (20,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$539,000 (Oct 2019)
Tax Bill	$12,984 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-461-003`

Property Details

APN / Parcel Number

Primary APN	`10-25-461-003`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	4,742 sqft Living Area
1st Floor Area	890 sqft
Upper Floors Area	3,527 sqft
Attic	Attic
Attic Area	490 sqft
Basement Area	1,869 sqft
Finished Basement	1,869 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,970 sqft (0.481 acres)
Lot Dimensions	233 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	392 sqft
Patio Area	592 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	640 FLORENCE ST
City	DUBUQUE
State	IA
Zip	52003-7530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 227 UNION ADD
Legal Range	02E
Legal Township	89N
Legal Section	25
Legal Subdivision	BRYANT
Legal Lot Number	227
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	4
Census Block	4004
Census Tract	801

Owner

Source: Dubuque County records, as of April 22, 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 Record
Mailing Address	640 FLORENCE ST, DUBUQUE, IA 52003-7530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Mar 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage MOUND CITY BANK
Jan 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage MOUND CITY BANK
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWESTONE BANK
Oct 3, 2019	Warranty Deed, Transfer · Conventional Mortgage MIDWESTONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2019 · Amount on Record
Deed Sale	Oct 3, 2019 · Amount on Record
Deed Document Number	201911896
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Recording Date	Apr 14, 2026
Property Address	640 FLORENCE ST, DUBUQUE, IA 52003-7530
Document Number	0000003677
Instrument Date	Apr 7, 2026
Instrument	20263677
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 FLORENCE ST, DUBUQUE, IA 52003-7530

Mortgage

Document Number	0000003677,
Date	Apr 14, 2026
Instrument	20263677

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 13, 2036

Interest

Rate	6.11%
Max Rate	-1%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	640 FLORENCE ST, DUBUQUE, IA 52003-7530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003271
Date	Mar 24, 2017
Instrument	2017-00003271

Lender

Name	MOUND CITY BANK
Type	Bank
Address	PLATTEVILLE, WI 53818

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	640 FLORENCE ST, DUBUQUE, IA 52003-7530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000700
Date	Jan 17, 2017
Instrument	2017-00000700

Lender

Name	MOUND CITY BANK
Type	Bank
Address	PLATTEVILLE, WI 53818

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	640 FLORENCE ST, DUBUQUE, IA 52003-7530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014797
Date	Sep 29, 2020
Instrument	2020-00014797

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Oct 3, 2019
Property Address	640 FLORENCE ST, DUBUQUE, IA 52003-7530
Document Number	0000011896
Instrument Date	Sep 30, 2019
Instrument	2019-00011896
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$861.60
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	640 FLORENCE ST, DUBUQUE, IA 52003-7530

Mortgage

Document Number	0000011897
Date	Oct 3, 2019
Instrument	2019-00011897

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of October 7, 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	$12,984.00 Homeowner's exemption	$948,900 (+3.92%) Land $119,800 Building $829,100	$948,900 (+3.92%) Land $119,800 Building $829,100
2024	$12,984.00 (+2.09%)
2023		$913,100 (+22.33%) Land $108,900 Building $804,200	$913,100 (+22.33%) Land $108,900 Building $804,200
2022	$12,718.00 Homeowner's exemption	$746,400 Land $98,010 Building $648,390
2021			$746,400 Land $98,010 Building $648,390

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

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

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Comelec Internet Services, Nextlink.

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