645 Oneill St, Dubuque, IA 52001 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,254 sqft · built 1941
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$214,000 (Jul 2024)
Tax Bill	$1,984 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-13-127-025`

Property Details

APN / Parcel Number

Primary APN	`10-13-127-025`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,254 sqft Living Area
1st Floor Area	840 sqft
Attic Area	378 sqft
Basement Area	840 sqft
Game Room	Game Room

Exterior

Year Built	Built 1941
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	645 ONEILL ST
City	DUBUQUE
State	IA
Zip	52001-1256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 35 O'NEILLS RIVERVIEW
Legal Subdivision	AUDUBON
Legal Lot Number	35
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	1
Census Block	1002
Census Tract	400

Owner

Source: Dubuque County records, as of October 6, 2025

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	Individual Name on Record
Mailing Address	645 ONEILL ST, DUBUQUE, IA 52001-1256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDWESTONE BANK
Jun 24, 2019	Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2024 · Amount on Record
Deed Sale	Jul 5, 2024 · Amount on Record
Prior Sale	Jul 1, 2021 · Amount on Record
Deed Document Number	2024-00006100
Record Updated	Jun 7, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jul 1, 2021
Property Address	645 ONEILL ST, DUBUQUE, IA 52001-1256
Document Number	0000010914
Instrument Date	Jun 29, 2021
Instrument	2021-00010914
Transaction Type	Transfer
Record Updated	Jul 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266.40
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	645 ONEILL ST, DUBUQUE, IA 52001-1256

Mortgage

Document Number	0000010915
Date	Jul 1, 2021
Instrument	2021-00010915

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jun 24, 2019
Property Address	645 ONEILL ST, DUBUQUE, IA 52001-1256
Document Number	0000006519
Instrument Date	Jun 18, 2019
Instrument	2019-00006519
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ONEILL ST, DUBUQUE, IA 52001-1256

Mortgage

Document Number	0000006520
Date	Jun 24, 2019
Instrument	2019-00006520

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$171,500 (+15.72%) Land $22,500 Building $149,000	$171,500 (+15.72%) Land $22,500 Building $149,000
2024	$1,984.00 (-1.49%)
2023		$148,200 (+17.97%) Land $20,000 Building $128,200	$148,200 (+17.97%) Land $20,000 Building $128,200
2022	$2,014.00	$125,630 Land $15,000 Building $110,630
2021			$125,630 Land $15,000 Building $110,630

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 655 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
T-Mobile Fixed Wireless	100 / 20

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

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