955 Bernard Rd, Bernard, IA 52032 Property Records

Dubuque County property record for 955 Bernard Rd, Bernard, IA 52032

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 1,568 sqft · built 2018
Lot Size	6.9 acres (300,564 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,840 (2024)
Deeds & Mortgages	Jan 2019 Line of Credit Jun 2018 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-34-126-002`

Property Details

APN / Parcel Number

Primary APN	`20-34-126-002`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
Basement Area	1,568 sqft
Finished Basement	1,195 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	300,564 sqft (6.9 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	459 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	955 BERNARD RD
City	BERNARD
State	IA
Zip	52032-9758
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 1 MERFELD FARM;
Legal Subdivision	MERFELD FARM ADD
Legal Lot Number	1
Jurisdiction	DUBUQUE IA
Township / Civil Division	PRAIRIE CREEK
Census Block Group	3
Census Block	3119
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 Company Names on Record
Mailing Address	955 BERNARD RD, BERNARD, IA 52032-9758
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2019	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Jun 26, 2018	Deed of Trust, Mortgage · Construction Mortgage DUPACO COMMUNITY CU
Oct 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Aug 18, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	955 BERNARD RD, BERNARD, IA 52032-9758
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000826
Date	Jan 23, 2019
Instrument	2019-00000826

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 22, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	955 BERNARD RD, BERNARD, IA 52032-9758
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007091
Date	Jun 26, 2018
Instrument	2018-00007091

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	369 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Mar 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Margin	2
Max Rate	8.87%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	955 BERNARD RD, BERNARD, IA 52032-9758
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012812
Date	Oct 30, 2018
Instrument	2018-00012812

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	955 BERNARD RD, BERNARD, IA 52032-9758
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010171
Date	Jul 14, 2020
Instrument	2020-00010171

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 18, 2017
Property Address	955 BERNARD RD, BERNARD, IA 52032-9758
Document Number	0000010291
Instrument Date	Aug 17, 2017
Instrument	10291
Transaction Type	Transfer
Record Updated	Feb 19, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19180 196TH AVE LA MOTTE IA 520549427, LA MOTTE, IA 52054-9427

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
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		$306,240 (+14.49%) Land $9,140 Building $297,100	$306,240 (+14.49%) Land $9,140 Building $297,100
2024	$2,840.00 (+8.48%)
2023		$267,485 (+22.58%) Land $6,885 Building $260,600	$267,485 (+22.58%) Land $6,885 Building $260,600
2022	$2,618.00 Homeowner's exemption Additional exemption filed	$218,220 Land $5,440 Building $212,780
2021			$218,220 Land $5,440 Building $212,780

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

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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