9701 Cedar St, Bernard, IA 52032 Property Records

Jackson County property record for 9701 Cedar St, Bernard, IA 52032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,300 sqft · built 2012
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on Record
Tax Bill	$2,053 (2026)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050424483004000`

Property Details

APN / Parcel Number

Primary APN	`050424483004000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Basement Area	1,300 sqft
Finished Basement	50 sqft
Unfinished Basement	1,250 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	90 ft deep x 110 ft wide
Deck Area	495 sqft
Shed	1 Shed
Total Buildings	2 Buildings

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	9701 CEDAR ST
City	BERNARD
State	IA
Zip	52032-9000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5 & 6 BLK 4 UNIT 1 LEISURE LAKE EST
Legal Range	01E
Legal Township	86N
Legal Section	24
Legal Subdivision	LEISURE LAKE ESTATE
Legal Block	4
Legal Lot Number	5,6
Jurisdiction	JACKSON IA
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2012
Census Tract	950100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	9701 CEDAR ST, BERNARD, IA 52032-9000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IA
Property Address	9701 CEDAR ST, BERNARD, IA 52032-9000
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	205328
Date	Dec 14, 2020
Instrument	20-5328

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Fixed Rate

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	$2,053.00 (+16.52%)	$184,500 (-) Land $5,000 Building $179,500	$184,500 (-) Land $5,000 Building $179,500
2025	$1,762.00 (-11.99%) Homeowner's exemption	$184,500 (-6.11%) Land $5,000 Building $179,500	$184,500 (-6.11%) Land $5,000 Building $179,500
2024	$2,002.00 (+17.9%)
2023		$196,500 Land $5,000 Building $191,500	$196,500 Land $5,000 Building $191,500
2022	$1,698.00

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

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