Dubuque County property record for 72 Bernard Rd, Bernard, IA 52032
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,565 sqft · built 1950 |
| Lot Size | 0.268 acres (11,700 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,850 (2024) |
| Deeds & Mortgages | Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-27-451-014 |
| Primary APN | 20-27-451-014 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,565 sqft Living Area |
| 1st Floor Area | 926 sqft |
| Upper Floors Area | 576 sqft |
| Basement Area | 926 sqft |
| Year Built | Built 1950 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,700 sqft (0.268 acres) |
| Lot Dimensions | 130 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 116 sqft |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Water Source | Commercial |
| Old Parcel Number | 2027451010 |
|---|---|
| Street Address | 72 BERNARD RD |
| City | BERNARD |
| State | IA |
| Zip | 52032-9547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CO |
| Legal Description | LOT 10 & 11 MELLOYS SUB; |
| Legal Subdivision | MELLOYS SUB |
| Legal Lot Number | 10,11 |
| Jurisdiction | DUBUQUE IA |
| Township / Civil Division | PRAIRIE CREEK |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 10300 |
Source: Dubuque County records · APN 20-27-451-014
Assessment roll updated May 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 72 BERNARD RD, BERNARD, IA 52032-9547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 72 BERNARD RD, BERNARD, IA 52032-9547 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011694 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 2020-00011694 |
| Name | MIDWESTONE BANK |
|---|---|
| Type | Bank |
| Address | DUBUQUE, IA 52002 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jul 28, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Dubuque County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| Municipality | Bernard City |
| County | Dubuque County |
| Unified School District | Western Dubuque County Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $176,700 (+10.16%) Land $19,800 Building $156,900 | $176,700 (+10.16%) Land $19,800 Building $156,900 | |
| 2024 | $1,850.00 (+14.62%) | ||
| 2023 | $160,400 (+30.64%) Land $19,800 Building $140,600 | $160,400 (+30.64%) Land $19,800 Building $140,600 | |
| 2022 | $1,614.00 Homeowner's exemption | $122,780 Land $19,850 Building $102,930 | |
| 2021 | $122,780 Land $19,850 Building $102,930 |
Source: FEMA National Flood Hazard Layer as of August 9, 2021 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bernard Telephone Company Fiber | 1,000 / 1,000 |
May also be available: Maquoketa Valley Rural Electric Cooperative.
Based on FCC filings for 64 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | BERNARD WATER SYSTEM serves 114 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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