85 Jess St, Bernard, IA 52032 Property Records

Dubuque County property record for 85 Jess St, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	1 ba · built 2016
Lot Size	0.268 acres (11,700 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Jun 2023)
Tax Bill	$486 (2024)
Deeds & Mortgages	Mar 2026 Sale Jan 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-27-378-007`

Property Details

APN / Parcel Number

Primary APN	`20-27-378-007`

Interior

Full Baths	1 Bath

Exterior

Year Built	Built 2016
Lot Area	11,700 sqft (0.268 acres)
Lot Dimensions	130 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	1,080 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	85 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 2 KINSELLA ADDITION;
Legal Subdivision	KINSELLA ADDITION
Legal Lot Number	2
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3103
Census Tract	10300

Owner

85 Jess St is owned by an individual who acquired it in January 2026.

Source: Dubuque County records, as of February 12, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	631 MACAFFREY ST, BERNARD, IA 52032-4403
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Contract Sale, Transfer
Jan 28, 2026	Intrafamily Transfer, Transfer
Jun 22, 2023	Warranty Deed, Transfer
Apr 28, 2020	Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU
Apr 9, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2023 · Amount on File
Deed Sale	Jun 22, 2023 · Amount on File
Prior Sale	Jun 22, 2023 · Amount on File
Deed Document Number	0000005849
Last Transfer Date	Jan 28, 2026
Transfer Doc	0000000871
Record Updated	Jun 8, 2026

March 2026: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	DUBUQUE IA
Recording Date	Mar 31, 2026
Property Address	85 JESS ST, BERNARD, IA 52032-4408
Document Number	0000003106
Map Reference	DOC 2026-1641
Instrument Date	Mar 26, 2026
Instrument	2026-00003106
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 JESS ST, BERNARD, IA 52032-4408

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	607 LEFFLER ST, BERNARD, IA 52032-9586

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DUBUQUE IA
Recording Date	Jan 28, 2026
Property Address	85 JESS ST, BERNARD, IA 52032-4408
Document Number	0000000871
Instrument Date	Jan 23, 2026
Instrument	2026-00000871
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	631 MACAFFREY ST, BERNARD, IA 52032-4403

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jun 22, 2023
Property Address	85 JESS ST, BERNARD, IA 52032-4408
Document Number	0000005849
Instrument Date	Jun 7, 2023
Instrument	2023-00005849
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Tax	$135.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 51, BERNARD, IA 52032-0051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	85 JESS ST, BERNARD, IA 52032-4408
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005137
Date	Apr 28, 2020
Instrument	2020-00005137

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52004

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 27, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DUBUQUE IA
Recording Date	Apr 9, 2020
Property Address	85 JESS ST, BERNARD, IA 52032-4408
Document Number	0000004161
Instrument Date	Apr 8, 2020
Instrument	4161
Transaction Type	Transfer
Record Updated	Apr 27, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$22.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 JESS ST BERNARD IA 520324408, BERNARD, IA 52032-4408

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		$42,000 Land $13,900 Building $28,100	$42,000 Land $13,900 Building $28,100
2024	$486.00
2023		$39,500 (+52.1%) Land $13,900 Building $25,600	$39,500 Land $13,900 Building $25,600
2022	$368.00	$25,970 Land $13,890 Building $12,080
2021			$25,970 Land $13,890 Building $12,080

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 85 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

Wildfire risk around 85 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.

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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