995 W Locust St, Dubuque, IA 52001 Property Records

Dubuque County property record for 995 W Locust St, Dubuque, IA 52001

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,958 sqft · built 1876
Lot Size	0.274 acres (11,956 sqft)
Owner	2 Individual Names on File
Last Sale	$204,000 (Jun 2024)
Tax Bill	$2,540 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-23-251-014`

Property Details

APN / Parcel Number

Primary APN	`10-23-251-014`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,958 sqft Living Area
1st Floor Area	1,152 sqft
Attic	Attic
Attic Area	634 sqft
Basement Area	1,152 sqft
Finished Basement	500 sqft
Unfinished Basement	738 sqft
Game Room	Game Room
Interior Walls	Unfinished

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	11,956 sqft (0.274 acres)
Lot Dimensions	122 ft deep x 98 ft wide
Garage Type	Detached
Garage Area	345 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	340 sqft
Patio Area	273 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	995 W LOCUST ST
City	DUBUQUE
State	IA
Zip	52001-4362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CI
Legal Description	LOTS 2-23 & E 50'-24 WM BLAKES ADD & LOT 2-6, 1-2-7, & 2-2-8 SOUTHVIEW HEIGHTS
Legal Range	02E
Legal Township	89N
Legal Section	23
Legal Subdivision	IRVING
Legal Lot Number	1-23
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	3
Census Block	3007
Census Tract	600

Owner

995 W Locust St is owned and occupied by two individuals who acquired it in August 2024.

Source: Dubuque County records, as of December 23, 2025

Owner of Record	2 Individual Names on File
Mailing Address	995 W LOCUST ST, DUBUQUE, IA 52001-4362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 10, 2024	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Dec 28, 2021	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Nov 25, 2019	Grant Deed, Transfer · Conventional Mortgage HOUSING FIN AGCY
Aug 1, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2024 · Amount on File
Deed Sale	Jun 10, 2024 · Amount on File
Prior Sale	Dec 28, 2021 · Amount on File
Deed Document Number	20245120
Last Transfer Date	Aug 6, 2024
Transfer Doc	0000007389
Record Updated	Sep 20, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Jun 10, 2024
Property Address	995 W LOCUST ST, DUBUQUE, IA 52001-4362
Document Number	0000005120
Instrument Date	Jun 4, 2024
Instrument	2024-00005120
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.60
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	995 W LOCUST ST, DUBUQUE, IA 52001-4362

Mortgage

Document Number	0000005121
Date	Jun 10, 2024
Instrument	2024-00005121

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Dec 28, 2021
Property Address	995 W LOCUST ST, DUBUQUE, IA 52001-4362
Document Number	0000021007
Instrument Date	Dec 27, 2021
Instrument	2021-00021007
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 W LOCUST ST, DUBUQUE, IA 52001-4362

Mortgage

Document Number	0000021008
Date	Dec 28, 2021
Instrument	2021-00021008

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DUBUQUE IA
Recording Date	Nov 25, 2019
Property Address	995 W LOCUST ST, DUBUQUE, IA 52001-4362
Document Number	0000014517
Instrument Date	Nov 19, 2019
Instrument	14517
Transaction Type	Transfer
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	995 W LOCUST ST DUBUQUE IA 520014362, DUBUQUE, IA 52001-4362

Mortgage

Document Number	14739
Date	Nov 25, 2019
Instrument	14739

Lender

Name	HOUSING FIN AGCY
Address	DUBUQUE, IA 52001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Nov 24, 2059

August 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	DUBUQUE IA
Recording Date	Aug 1, 2019
Property Address	995 W LOCUST ST, DUBUQUE, IA 52001-4362
Document Number	0000008312
Instrument Date	Jul 23, 2019
Instrument	8312
Transaction Type	Foreclosure
Record Updated	Aug 19, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$96.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 179 DUBUQUE IA 520040179, DUBUQUE, IA 52004-0179

Tax Assessment & Valuation

The 2025 property tax bill for 995 W Locust St was $2,540.

Source: Dubuque County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Dubuque County
Municipality	Dubuque City
Unified School District	Dubuque Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,540.00	$221,300 Land $45,700 Building $175,600	$221,300 Land $45,700 Building $175,600
2024	$2,540.00
2023		$176,700 (+23.66%) Land $41,600 Building $135,100	$176,700 Land $41,600 Building $135,100
2022	$2,464.00 Homeowner's exemption	$142,890 Land $39,470 Building $103,420
2021			$142,890 Land $39,470 Building $103,420

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 995 W Locust St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 9, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 995 W Locust 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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	DUBUQUE WATER WORKS serves 59,667 people · EPA ID IA3126052
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	5 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Comelec Internet Services, Nextlink.

Nearby Properties on W Locust St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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