650 Oneill St, Dubuque, IA 52001 Property Records

Dubuque County property record for 650 Oneill St, Dubuque, IA 52001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,002 sqft · built 1955
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$196,000 (Jul 2026)
Tax Bill	$1,868 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-13-128-011`

Property Details

APN / Parcel Number

Primary APN	`10-13-128-011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,002 sqft Living Area
1st Floor Area	1,002 sqft
Basement Area	1,002 sqft
Unfinished Basement	1,002 sqft
Game Room	Game Room

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	650 ONEILL ST
City	DUBUQUE
State	IA
Zip	52001-1255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 20 O'NEILLS RIVERVIEW
Legal Subdivision	AUDUBON
Legal Lot Number	20
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	1
Census Block	1003
Census Tract	400

Owner

Source: Dubuque County records, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	650 ONEILL ST, DUBUQUE, IA 52001-1255
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CREDIT UNION
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Mar 4, 2026	Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CU
Nov 23, 2020	Special Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CU
Jul 5, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Mar 4, 2026 · Amount on Record
Deed Document Number	20268410
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jul 31, 2026
Property Address	650 ONEILL ST, DUBUQUE, IA 52001-1255
Document Number	0000008410
Instrument Date	Jul 29, 2026
Instrument	20268410
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,592.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 ONEILL ST, DUBUQUE, IA 52001-1255

Mortgage

Document Number	0000008411,
Date	Jul 31, 2026
Instrument	20268411

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	650 ONEILL ST, DUBUQUE, IA 52001-1255
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008203
Date	Jun 29, 2022
Instrument	2022-00008203

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Mar 4, 2026
Property Address	650 ONEILL ST, DUBUQUE, IA 52001-1255
Document Number	0000002148
Instrument Date	Mar 3, 2026
Instrument	2026-00002148
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.20
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	650 ONEILL ST, DUBUQUE, IA 52001-1255

Mortgage

Document Number	0000002149
Date	Mar 4, 2026
Instrument	2026-00002149

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

November 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Nov 23, 2020
Property Address	650 ONEILL ST, DUBUQUE, IA 52001-1255
Document Number	0000018592
Instrument Date	Nov 6, 2020
Instrument	2020-00018592
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 ONEILL ST, DUBUQUE, IA 52001-1255

Mortgage

Document Number	0000018594
Date	Nov 23, 2020
Instrument	2020-00018594

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jul 5, 2018
Property Address	650 ONEILL ST, DUBUQUE, IA 52001-1255
Document Number	0000007608
Instrument Date	Jul 2, 2018
Instrument	7608
Transaction Type	Transfer
Record Updated	Jul 30, 2018

Transaction

Amount	Amount Recorded
Tax	$255.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1688 HICKSON AVE DUBUQUE IA 520015455, DUBUQUE, IA 52001-5455

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	$1,868.00 (+4.47%)	$145,000 (+16.56%) Land $22,500 Building $122,500	$145,000 (+16.56%) Land $22,500 Building $122,500
2024	$1,788.00 (-4.79%)
2023		$124,400 (+14.24%) Land $20,000 Building $104,400	$124,400 (+14.24%) Land $20,000 Building $104,400
2022	$1,878.00	$108,890 Land $15,000 Building $93,890
2021			$108,890 Land $15,000 Building $93,890

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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