Dubuque County property record for 81 Jess St, Bernard, IA 52032
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,386 sqft · built 2002 |
| Lot Size | 0.268 acres (11,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $108,000 (Jun 2016) |
| Tax Bill | $1,282 (2024) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-27-378-009 |
| Primary APN | 20-27-378-009 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,386 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Year Built | Built 2002 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| 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 | 647 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 40 sqft |
| Patio Area | 230 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 81 JESS ST |
|---|---|
| City | BERNARD |
| State | IA |
| Zip | 52032-4408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CO |
| Legal Description | LOT 4 KINSELLA ADDITION; |
| Legal Subdivision | KINSELLA ADDITION |
| Legal Lot Number | 4 |
| Jurisdiction | DUBUQUE IA |
| Township / Civil Division | PRAIRIE CREEK |
| Census Block Group | 3 |
| Census Block | 3103 |
| Census Tract | 10300 |
81 Jess St is owned and occupied by two individuals who bought it in June 2016.
Source: Dubuque County records, as of October 6, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 81 JESS ST, BERNARD, IA 52032-4408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2016 · Amount on File |
| Deed Sale | Jun 7, 2016 · Amount on File |
| Prior Sale | Nov 8, 2013 · Amount on File |
| Deed Document Number | 2016-00006822 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUBUQUE IA |
| Property Address | 81 JESS ST, BERNARD, IA 52032-4408 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 81 JESS ST, BERNARD, IA 52032-4408 |
| Document Number | 0000010323 |
|---|---|
| Date | Aug 17, 2022 |
| Instrument | 2022-00010323 |
| Name | DUBUQUE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | DUBUQUE, IA 52001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Dubuque County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| Municipality | Bernard City |
| County | Dubuque County |
| Unified School District | Western Dubuque County Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $123,900 Land $19,800 Building $104,100 | $123,900 Land $19,800 Building $104,100 | |
| 2024 | $1,282.00 | ||
| 2023 | $114,300 (+50.04%) Land $19,800 Building $94,500 | $114,300 Land $19,800 Building $94,500 | |
| 2022 | $954.00 Homeowner's exemption | $76,180 Land $19,850 Building $56,330 | |
| 2021 | $76,180 Land $19,850 Building $56,330 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 Jess St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 risk around 81 Jess St is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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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