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1025 Carmel Dr, Dubuque, IA, 52003

5beds
8baths
7,310sqft
$4,000,000
$547price/sqft
$27,671/moest. monthly cost
$1,106,840/yrincome needed

About This Home

A Masterpiece of Architectural Excellence with Unrivaled Mississippi River Views - Welcome to one of Dubuque, Iowa’s most architecturally stunning estates. An all-brick masterpiece perched high on the bluffs with commanding, unobstructed views of the Mississippi River. With over 7,000 square feet of flawlessly designed living space, 4,300+ sq ft above ground and an additional 3,000+ sq ft on the lower level, this extraordinary home is a showcase of fine craftsmanship and sophisticated living. From the moment you arrive, you're greeted by panoramic river vistas and timeless design elements that make a lasting impression. Soaring 10-foot ceilings on both levels, solid cherry woodwork, and 8-foot solid cherry doors set the tone for elegance and exceptional quality throughout. The expansive three-sided wraparound deck invites you to relax or entertain while soaking in the breathtaking surroundings, whether it's sunrise coffee or sunset cocktails, the view is always unforgettable. At the heart of the home is a chef’s kitchen designed for both performance and beauty, featuring high-end appliances, a large island, built-in bar, and a top-of-the-line adjacent grill room for year-round entertaining. The open-concept layout connects seamlessly to the gracious living and dining spaces, perfect for hosting or simply enjoying the quiet luxury of your surroundings. An elevator provides easy access to the lower level, adding convenience and accessibility without sacrificing style. More than just a home, this property is a private retreat, where architectural integrity meets natural beauty. For those seeking an elevated lifestyle in one of Iowa’s most scenic locations, this estate is simply unmatched.

Getting Around

1
WalkingCar-Dependent
19
TransitMinimal Transit
16
BikeSomewhat Bikeable

Schools

9/10
Bryant Elementary SchoolGrades PK-51.2 mi
4/10

Construction

Condition

  • Year built: 2014

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asp/Composite Shngl
  • Construction materials: Brick,Stone,Tan Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: SINGLE FAMILY - DETACHED

Interior

Appliances

  • Appliances included: Refrigerator,Range/Oven,Dishwasher,Microwave,Disposal,Washer,Dryer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom1

  • Level: First
  • Area: 372

Bedroom2

  • Level: First
  • Area: 262.35

Bedroom3

  • Level: Lower
  • Area: 413.7

Bedroom4

  • Level: Lower
  • Area: 260.04

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 8
  • Full bathrooms: 5
  • 1/2 bathrooms: 3
  • Main level bathrooms: 5
  • Main level bedrooms: 2

Dining Room

  • Level: First
  • Area: 241.08

Family Room

  • Level: Lower
  • Area: 998.55

Features

  • Window features: Window Treatments
  • Fireplace features: Three or More,Living Room,Family Room Up,Family Room Down
  • Fireplace: Yes
  • Finished area above ground: 4,310

Heating & Cooling

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

Interior Area

  • Total structure area: 7,310
  • Total interior livable area: 7,310 sqft

Kitchen

  • Level: First
  • Area: 295.2

Living Room

  • Level: First
  • Area: 559.29

Property

Accessibility

  • Accessibility features: See Remarks

Details

  • Parcel number: 1131302007
  • Zoning: RES

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Deck,Porch
  • Exterior features: Walkout,3 Seasons Room
  • Has view: Yes
  • View description: River,City
  • Has water view: Yes
  • Water view: River

Lot

  • Lot size: 0.60 Acres

Parking

  • Total spaces: 4
  • Parking features: Attached - 3+,Off Street
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
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 $20,226$242,712
Home Insurance *$2,316$27,792
Property Taxes $4,584$55,008
Electricity $545$6,543
Total$27,671$332,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$948,720/yr
40% on housing$830,130/yr
45% on housing$737,893/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

$547This listing

vs Other Active Listings

Avg $/sqft

ZIP 52003$177
Dubuque County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 52003$145
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)

No zestimate history available

Price History

DateEventPrice
2025-05-28Listed for sale$4,000,000

For Sale by Agent

AgentPeggy Nesler
BrokerageAmerican Realty of Dubuque, Inc.

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