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12146 Whispering Meadows Dr, Dubuque, IA, 52003

5beds
5baths
4,978sqft
$1,125,000
$226price/sqft
$7,707/moest. monthly cost
$308,280/yrincome needed

About This Home

Welcome to a custom-built beauty featuring 5 bedrooms, 4.5 bathrooms, and a 3-car garage. Sitting on 3.43 acres of beautiful countryside, this home is tucked away at the end of a cul-de-sac and is surrounded by farmland and timber. The 2-story entry, high-end kitchen, living room built-ins and fireplace, the vaulted office ceiling, and the well-appointed dining room are only the beginning of what distinguishes this property. The large primary bedroom is conveniently located on the first floor and its en suite boasts of travertine tile and a luxurious standalone bathtub. Upstairs, the large landing is the perfect place for a reading nook and the family room serves as additional gathering space. First floor laundry sits next to the mud room off of the garage. Laundry hook-ups are also available on the 2nd floor and the lower level. The exterior features mirror the unique characteristics of this stucco and stone home. The massive, heated workshop is a dream space for buyers whose hobbies are hands-on projects. The shop offers a tandem capacity for 6 vehicles; its 3 garage doors include a 12' high door, which is suitable for an RV or a boat. Above the workshop is a versatile loft with extensive storage or great potential for a guest suite. The private drive and cement pad areas provide substantial parking for large parties. This rare find allows for horses on the property and is equipped with 2 horse barns well as a lean-to on the side of the shop. Whispering Meadows offers it all: peaceful seclusion, a lovely home, and accommodating spaces for entertaining, avocation, and recreation.

Getting Around

5
WalkingCar-Dependent
0
TransitNo Nearby Transit
17
BikeSomewhat Bikeable

Schools

4/10
4/10

Construction

Condition

  • Year built: 2011

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asp/Composite Shngl
  • Construction materials: Stone,Stucco,Smart Siding,Gray Siding,Brown Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range/Oven,Dishwasher,Microwave,Disposal,Washer,Dryer,Water Filter,Water Softener
  • Laundry features: Upper Level,Main Level,Lower Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom1

  • Level: Main
  • Area: 420

Bedroom2

  • Level: Upper
  • Area: 168

Bedroom3

  • Level: Upper
  • Area: 273

Bedroom4

  • Level: Upper
  • Area: 196

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 210

Features

  • Window features: Window Treatments
  • Number of fireplaces: 1
  • Fireplace features: One,Living Room
  • Fireplace: Yes
  • Finished area above ground: 4,228

Heating & Cooling

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

Interior Area

  • Total structure area: 4,978
  • Total interior livable area: 4,978 sqft

Kitchen

  • Level: Main
  • Area: 460

Living Room

  • Level: Main
  • Area: 270

Property

Details

  • Parcel number: 1521276007
  • Zoning: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Fencing: Fenced

Lot

  • Lot size: 3.43 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached - 3+
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Landslide
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 $5,688$68,256
Home Insurance *$651$7,812
Property Taxes $997$11,964
Electricity $371$4,455
Total$7,707$92,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$264,240/yr
40% on housing$231,210/yr
45% on housing$205,520/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

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 52003$192
Dubuque County$156

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
2026-04-23Listed for sale$1,199,000
2026-03-12Listing removed$1,250,000
2025-06-06Listed for sale$1,250,000
2010-06-25Sold$64,000

For Sale by Agent

AgentSusan Swift
BrokerageRuhl & Ruhl Realtors

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