81 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 81 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 2002
Lot Size	0.353 acres (15,400 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,400 (2024)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-27-380-016`

Property Details

APN / Parcel Number

Primary APN	`20-27-380-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Basement Area	1,568 sqft

Exterior

Year Built	Built 2002
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,400 sqft (0.353 acres)
Lot Dimensions	154 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	60 sqft
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	81 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 3 KINSELLA 3RD ADDITION;
Legal Subdivision	3RD ADDITION
Legal Lot Number	3
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3103
Census Tract	10300

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	2 Individual Names on Record
Mailing Address	81 BERNARD RD, BERNARD, IA 52032-9547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	81 BERNARD RD, BERNARD, IA 52032-9547
Document Number	0000002447
Instrument Date	Mar 2, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	81 BERNARD RD BERNARD IA 520329547, BERNARD, IA 52032-9547

Mortgage

Document Number	0000002447
Date	Mar 3, 2017
Instrument	2447

Lender

Name	DUPACO CMNTY CU
Type	Credit Union
Address	DUBUQUE, IA 52004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Mar 2, 2024

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Bernard City
County	Dubuque County
Unified School District	Western Dubuque County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$226,200 (+10.29%) Land $23,200 Building $203,000	$226,200 (+10.29%) Land $23,200 Building $203,000
2024	$2,400.00 (+10.29%)
2023		$205,100 (+26.29%) Land $23,200 Building $181,900	$205,100 (+26.29%) Land $23,200 Building $181,900
2022	$2,176.00 Homeowner's exemption	$162,400 Land $23,180 Building $139,220
2021			$162,400 Land $23,180 Building $139,220

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Jul 2011 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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	BERNARD WATER SYSTEM serves 114 people · EPA ID IA3113001
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bernard Telephone Company Fiber	1,000 / 1,000

May also be available: Maquoketa Valley Electric Cooperative.

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