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14400 Mill Ridge Rd, Dubuque, IA, 52002

5beds
4baths
4,735sqft
$2,300,000
$486price/sqft
$15,380/moest. monthly cost
$615,200/yrincome needed

About This Home

Tucked at the end of a quiet cul-de-sac on 4 private, tree-lined acres, this custom 2-story walkout by Cedar Ridge Construction offers exceptional architectural detail, impressive ceiling heights, hardwood surfaces throughout, and a rare level of upgrades. With over 3,100 sq. ft. above grade (over 4,500 total finished sq. ft.), 5 bedrooms, 4 bathrooms, and a finished walkout lower level, this home is designed for comfort, entertaining, and long-term value. The main level features a vaulted great room with gas fireplace, beautifully appointed kitchen with custom cabinetry, private office, walk-in pantry, and primary suite. The finished lower level includes a second fireplace, custom bar, workout room, additional living space, and walkout access. Premium mechanical features include top-notch Bryant hybrid heating and cooling systems, zoned ductwork, air-to-air exchangers, in-floor radiant heat in the lower level, radiant heat in both garages, heated/cooled garage space, and a Bryant hybrid mini split for the upper garage. The huge covered rear deck features Magna Track power screens, transforming the space into a screened-in outdoor living area. Additional highlights include whole-home SONOS audio, integrated security cameras, monitored security system, smart-home prewiring, power shade prewiring, solar-ready infrastructure, dry space beneath the upper patio, epoxy-coated garage floor, and a rare 6-car capped garage configuration with dedicated lower-level driveway. A truly exceptional north-end Dubuque offering with privacy, craftsmanship, technology, comfort, and too many additional upgrades to list.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
3
BikeSomewhat Bikeable

Schools

7/10
3/10
3/10
Hempstead High SchoolGrades 9-122.9 mi

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Stone,Smart Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Range,Dishwasher,Microwave
  • Laundry features: Upper Level,Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom1

  • Level: Main
  • Area: 224
  • Dimensions: 16 x 14

Bedroom2

  • Level: Upper
  • Area: 132
  • Dimensions: 12 x 11

Bedroom3

  • Level: Upper
  • Area: 240
  • Dimensions: 15 x 16

Bedroom4

  • Level: Upper
  • Area: 132
  • Dimensions: 12 x 11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Number of fireplaces: 2
  • Fireplace features: Two
  • Fireplace: Yes
  • Finished area above ground: 3,118

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 4,735 sqft

Kitchen

  • Level: Main
  • Area: 288
  • Dimensions: 16 x 18

Living Room

  • Level: Main
  • Area: 288
  • Dimensions: 16 x 18

Other

  • Level: Lower
  • Area: 210
  • Dimensions: 14 x 15

Property

Details

  • Parcel number: 1007452004
  • Zoning: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Deck
  • Exterior features: Walkout

Lot

  • Lot size: 3.43 Acres
  • Lot size dimensions: 3.43 Acres

Parking

  • Total spaces: 6
  • Parking features: Attached
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $11,630$139,560
Home Insurance *$1,193$14,316
Property Taxes $2,204$26,448
Electricity $353$4,238
Total$15,380$184,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$527,314/yr
40% on housing$461,400/yr
45% on housing$410,133/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$486This listing

vs Other Active Listings

Avg $/sqft

ZIP 52002$193
Dubuque County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 52002$153
Dubuque County$129

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-18Listed for sale$2,300,000

New Construction

AgentAaron Healey
BrokerageRuhl & Ruhl Realtors

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