645 Jefferson St, Dubuque, IA 52001 Property Records

Dubuque County property record for 645 Jefferson St, Dubuque, IA 52001

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,396 sqft · built 1886
Lot Size	0.126 acres (5,500 sqft)
Owner	Company Name on Record
Last Sale	$110,000 (Feb 2025)
Tax Bill	$1,394 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-24-385-018`

Property Details

APN / Parcel Number

Primary APN	`10-24-385-018`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,396 sqft Living Area
1st Floor Area	600 sqft
Upper Floors Area	630 sqft
Basement Area	600 sqft
Game Room	Game Room

Exterior

Year Built	Built 1886
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Metal Frame
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	99 sqft
Patio Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	645 JEFFERSON ST
City	DUBUQUE
State	IA
Zip	52001-6269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 20 FARLEYS SUB
Legal Subdivision	LINCOLN
Legal Lot Number	20
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	2
Census Block	2010
Census Tract	701

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	Company Name on Record
Mailing Address	2165 BLACK FOOT LN, ASBURY, IA 52002-2789
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIDELITY BANK & TRUST
Mar 9, 2018	Warranty Deed, Transfer BELLEVUE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2025 · Amount on Record
Deed Sale	Feb 13, 2025 · Amount on Record
Prior Sale	Mar 9, 2018 · Amount on Record
Deed Document Number	2025-00001486
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	645 JEFFERSON ST, DUBUQUE, IA 52001-6269
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3131 CEDAR CROSS CT 2, 2, DUBUQUE, IA 52003-7873

Mortgage

Document Number	0000018694
Date	Nov 12, 2021
Instrument	2021-00018694

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Mar 9, 2018
Property Address	645 JEFFERSON ST, DUBUQUE, IA 52001-6269
Document Number	0000002406
Instrument Date	Mar 9, 2018
Instrument	2018-00002406
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1495 S GRANDVIEW AVE, DUBUQUE, IA 52003-8734

Mortgage

Document Number	0000002407
Date	Mar 9, 2018
Instrument	2018-00002407

Lender

Name	BELLEVUE STATE BANK
Type	Bank
Address	BELLEVUE, IA 52031

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 9, 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		$109,300 (+12.68%) Land $20,600 Building $88,700	$109,300 (+12.68%) Land $20,600 Building $88,700
2024	$1,394.00 (+7.23%)
2023		$97,000 (+28.7%) Land $20,600 Building $76,400	$97,000 (+28.7%) Land $20,600 Building $76,400
2022	$1,300.00	$75,370 Land $15,450 Building $59,920
2021			$75,370 Land $15,450 Building $59,920

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	Not rated no burnable land within 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 616 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 · Fiber in parts of the area	1,000 / 50
CenturyLink DSL	140 / 20

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

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