786 Cottage Pl, Dubuque, IA 52001 Property Records

Dubuque County property record for 786 Cottage Pl, Dubuque, IA 52001

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,608 sqft · built 1968
Lot Size	0.105 acres (4,600 sqft)
Owner	Individual Name on File
Last Sale	$112,500 (Jun 2018)
Tax Bill	$1,800 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-23-236-002`

Property Details

APN / Parcel Number

Primary APN	`10-23-236-002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,608 sqft Living Area
1st Floor Area	768 sqft
Upper Floors Area	840 sqft
Basement Area	768 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood Frame
Lot Area	4,600 sqft (0.105 acres)
Lot Dimensions	115 ft deep x 40 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	204 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	786 COTTAGE PL
City	DUBUQUE
State	IA
Zip	52001-3238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOT 71 PLEASANT VIEW
Legal Subdivision	IRVING
Legal Lot Number	71
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	1
Census Block	1004
Census Tract	600

Owner

786 Cottage Pl is owned and occupied by an individual who acquired it in June 2018.

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 File
Mailing Address	786 COTTAGE PL, DUBUQUE, IA 52001-3238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jan 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Nov 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOUSING & CMNTY DEV DEPT
Jun 26, 2018	Warranty Deed, Transfer · Conventional with PMI AMERICAN TR & SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2018 · Amount on File
Deed Sale	Jun 21, 2018 · Amount on File
Prior Sale	Jun 9, 2008 · Amount on File
Deed Document Number	2018-00006871
Last Transfer Date	Jun 26, 2018
Transfer Doc	0000006871
Record Updated	Jun 7, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	786 COTTAGE PL, DUBUQUE, IA 52001-3238
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018320
Date	Nov 18, 2020
Instrument	2020-00018320

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	786 COTTAGE PL, DUBUQUE, IA 52001-3238
Document Number	0000000990
Instrument Date	Jan 23, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000990
Date	Jan 28, 2019
Instrument	990

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	DUBUQUE, IA 52001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	786 COTTAGE PL, DUBUQUE, IA 52001-3238
Document Number	0000013407
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Dec 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013407
Date	Nov 14, 2018
Instrument	13407

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	DUBUQUE, IA 52001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	396 Months
Due	Nov 13, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jun 26, 2018
Property Address	786 COTTAGE PL, DUBUQUE, IA 52001-3238
Document Number	0000006871
Instrument Date	Jun 18, 2018
Instrument	6871
Transaction Type	Transfer
Record Updated	Jul 24, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 COTTAGE PL DUBUQUE IA 520013238, DUBUQUE, IA 52001-3238

Mortgage

Document Number	6872
Date	Jun 26, 2018
Instrument	6872

Lender

Name	AMERICAN TR & SVGS BK
Type	Mortgage Company
Address	DUBUQUE, IA 52001

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2048

Mortgage

Document Number	7051,
Date	Jun 26, 2018
Instrument	7051

Lender

Name	CITY OF DUBUQUE HOUSING & COMM
Address	DUBUQUE, IA 52001

Agreement

Amount	Amount on Record

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		$150,400 Land $17,700 Building $132,700	$150,400 Land $17,700 Building $132,700
2024	$1,800.00
2023		$135,400 (+10.36%) Land $16,600 Building $118,800	$135,400 Land $16,600 Building $118,800
2022	$1,962.00 Homeowner's exemption	$122,690 Land $12,480 Building $110,210
2021			$122,690 Land $12,480 Building $110,210

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 786 Cottage Pl in Zone X, an area of minimal flood risk.

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

The area around 786 Cottage Pl has no burnable land within ember reach, so its wildfire risk is not rated.

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 599 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: Comelec Internet Services, Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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