9505 Cedar St, Bernard, IA 52032 Property Records

Jackson County property record for 9505 Cedar St, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,774 sqft · built 1993
Lot Size	2.18 acres (95,083 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Aug 2021)
Tax Bill	$2,250 (2026)
Deeds & Mortgages	May 2017 Line of Credit May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050424483010000`

Property Details

APN / Parcel Number

Primary APN	`050424483010000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,774 sqft Living Area
1st Floor Area	392 sqft
Basement Area	980 sqft
Finished Basement	525 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Intercom	Intercom

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	95,083 sqft (2.18 acres)
Lot Dimensions	180 ft deep x 427 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	98 sqft
Patio Area	488 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	9505 CEDAR ST
City	BERNARD
State	IA
Zip	52032-9199
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 & 2 BLK 4 UNIT 1 & LOTS 11 & 12 BLK 5 & LOTS 1,2, 3,4,5,6,7,8, & 9 BLK 6 UNIT 2 & ALL THAT PT OF CATALPA ST N OF ELM
Legal Range	01E
Legal Township	86N
Legal Section	24
Legal Subdivision	LEISURE LAKE ESTATES UNIT TWO
Legal Block	4-6
Legal Lot Number	1-9
Jurisdiction	JACKSON IA
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2010
Census Tract	950100

Owner

Source: Jackson County records, as of October 20, 2026

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	2 Individual Names on Record
Mailing Address	9505 CEDAR ST, BERNARD, IA 52032-9199
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2017	Deed of Trust, Mortgage · Line of Credit FIDELITY BANK & TRUST
May 3, 2021	Joint Tenancy Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Aug 4, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2021 · Amount on Record
Deed Sale	Aug 4, 2021 · Amount on Record
Prior Sale	May 3, 2021 · Amount on Record
Deed Document Number	20213341
Prior Transfer Date	Apr 30, 2021
Prior Transfer Doc	0000001892
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IA
Property Address	9505 CEDAR ST, BERNARD, IA 52032-9199
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/1730
Date	May 22, 2017
Book Page	2017/1730
Instrument	17-1730

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jun 26, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	JACKSON IA
Recording Date	May 3, 2021
Property Address	9505 CEDAR ST, BERNARD, IA 52032-9199
Document Number	0000211892
Map Reference	MB 1 PG 89
Instrument Date	Apr 30, 2021
Instrument	21-1892
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.20
Amount Accuracy	Rounded by County
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	9505 CEDAR ST, BERNARD, IA 52032-9199

Mortgage

Document Number	0000211894
Date	May 3, 2021
Instrument	21-1894

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IA
Recording Date	Aug 4, 2021
Property Address	9505 CEDAR ST, BERNARD, IA 52032-9199
Document Number	213341
Map Reference	BK 1-A PG 233
Instrument Date	May 8, 2020
Instrument	21-3341
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9505 CEDAR ST, BERNARD, IA 52032-9199

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of October 10, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,250.00	$221,700 (-) Land $13,900 Building $207,800	$221,700 (-) Land $13,900 Building $207,800
2025	$2,250.00 (-9.57%)	$221,700 (-4.23%) Land $13,900 Building $207,800	$221,700 (-4.23%) Land $13,900 Building $207,800
2024	$2,488.00 (+19.04%)
2023		$231,500 Land $13,900 Building $217,600	$231,500 Land $13,900 Building $217,600
2022	$2,090.00

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 January 27, 2022 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures