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Property profile & analytics
OFF-MARKET
Estimated value
$685,000
Banks
475 Cedar Cross Rd Dubuque, IA 52003-7703
Entity Owned
~
Est. High Equity
Property ID
US25-0161161
Property profile
Verified
Property type
Banks
Use group
FINANCIAL BUILDING
Year built
2003
Total area
5,426 SF
Lot
1.29 ac (56,018 SF)
Zoning code
CI
APN
10-27-354-004
UPID
US25-0161161
Cap rate & NOI
Priority signal for investors
Implied cap rate, NOI & suggested price
Cap rate vs submarket · NOI estimate · 3 price anchors
Implied cap rate, NOI & suggested price
Cap vs submarket · NOI estimate · 3 price anchors
Current use
Occupant on record · Public records
-
Fidelity Bank and Trust Bank Loan Service
-
Shazam Atm Atm
Value estimations
Realmo proprietary · 4 methods
AI Approach
AI
by Request
CAP Approach
CAP
by Request
Comparable Approach
Comparable
$610k
Blend (final)
Blend
$685k
Owner & transaction history
Jby LLC
Jby LLC
since 2025
Last sale
$720,000
3 recorded transactions
Zoning & alternative use
CI · Dubuque, IA
Permitted uses
Permitted uses
Allowed · conditional · prohibited
Top alternative use upside
Commercial (general)
$570,000
+38.9%
Cap rate
Implied · in-place · derived from last sale + estimated NOI
Implied Cap rate
#1
Implied · in-place · NOI ÷ last sale
In-place · derived from last sale + estimated NOI
Cap rate, NOI & submarket benchmark
Implied cap rate vs Dubuque submarket · NOI estimate · Typical band, median & reading
Implied cap rate, NOI & submarket benchmark
Cap vs Dubuque submarket · NOI estimate · typical band, median & reading
Refine your cap rate
8-question underwriting flow
1.
Property current status — Going-In vs Stabilized
2.
Price for denominator — asking / offer / market
3.
Leasing status & lease structure (NNN / Gross)
4.
Tenant risk profile & vacancy assumption
5.
Upload T12 / rent roll / OM (optional)
Refine in 60 seconds, get exact suggested price
T12 upload · Submarket benchmarks · Sensitivity grid
Suggested price · 3 cap rate anchors
Income approach @ 5% / 7% / 9% — aggressive / typical / conservative
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · Implied $/SF per anchor · Sensitivity grid
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · implied $/SF · sensitivity
Value
AI, CAP & Alternative Use estimations · Realmo proprietary blendValue Estimations
Based on Realmo’s proprietary methodology
AI Approach
Method
Estimation
Statistic approach
by Request
ML approach
by Request
CAP Approach
CAP Return
Estimation
6%
by Request
6.5%
by Request
7%
by Request
Alternative Use
Use
Estimation
FINANCIAL BUILDING
$410,000
Current use
COMMERCIAL (GENERAL)
$570,000
Change: +39% · Conversion: Difficult
Blend value · Realmo final
$685k
Range $617k – $754k · ±10% · vs last sale $720k (Dec 23 2025)
Last sale anchor
$720k
Dec 23 2025
Realmo estimate · informational only.
These numbers are calculated by our models from public records and may not reflect actual market value.
Not an appraisal.
Verify with a licensed appraiser before transacting. Realmo accepts no liability for divergence from real-world outcomes.
View the full estimation — every method, every assumption
Confidence drivers & risk notes · Custom comparable set · Free for first 3 / day
Full estimation methodology
Every method · every assumption · confidence drivers
Price per SF
Sale + rent benchmarks
Subject property
$126 / SF
Submarket sale & rent benchmarks
Median sale $/SF · Asking & closed rent · Submarket vacancy
Submarket sale & rent benchmarks
Median sale $/SF · asking & closed rent · submarket vacancy
Property tax & assessments
Tax year 2023Property tax & assessments
Tax year 2023
Tax billed
$56,118
Tax year 2023
Assessed value
$2,142,700
Assessed 2024
Previous assessed
$2,142,700
+0.0% YoY
Effective rate
2.62%
On assessed value
Assessed land
$308,600
Assessed improvement
$1,834,100
Land market value
$308,600
Improvement market value
$1,834,100
Total market value
$2,142,700
Comparables
6 recent transactions · within 1.5 miComparable in this city
6 recent transactions
Comparable in this City
Similar Nearby for Sale
Similar Nearby for Lease
Recent comparable sales
Sale price & price/SF · Sale date & distance · Adjustments & confidence
Recent comparable sales
Sale price & $/SF · sale date & distance · adjustments
Property description
Physical attributes from public recordsBuilding & lot
Public records
Property type
Banks
Use group
FINANCIAL BUILDING
Status
Off-Market
Year built
2003
Heating
NONE
Stories
1
Units
1
Total area
5,426 SF
Lot
1.29 ac (56,018 SF)
Zoning code
CI
APN
10-27-354-004
UPID
US25-0161161
Jurisdiction
DUBUQUE
Zoning & alternative use
CI · Dubuque, IA
Zoning CI · permitted uses
CI · Dubuque, IA
Permitted & conditional uses
Allowed uses · Special-permit conditions · Prohibited uses
Permitted & conditional uses
Allowed · special-permit conditions · prohibited
Dubuque. Always verify with local authorities before improvements.
Alternative use value scenarios
Repositioning upside vs current use
FINANCIAL BUILDING Current
Est. value
$410,000
COMMERCIAL (GENERAL)
Est. value
$570,000
FINANCIAL BUILDING Current
COMMERCIAL (GENERAL)
Alternative use deep dive — conversion cost, permits, timeline
Conversion cost estimate · Permit path & risks · Stabilized NOI per option
Alternative use deep dive
Conversion cost · permit path · stabilized NOI per option
Building & site characteristics
From public records
Year built
2003
Heating
NONE
Stories
1
Units
1
Lot
1.29 ac
Current owner
From public records · entity-resolved
Jby LLC
Entity
Mailing address
PO BOX 668, WEST BRANCH, IA 52358-0668
Ownership since
2025
Owner contacts — direct phone, email, and related entities
Decision-maker phone · Verified email · Related entities & filings
Owner contacts
Email · phone · related entities
Sales History
3 recorded events · public records
Date
Price
Buyer
Seller
Deed Type
Mortgage
Dec 23, 2025
$720,000
Jby LLC
Grmg Real Estate LLP
Warranty Deed
$951,132 · Dupaco Community Cu
Dec 27, 2016
—
Fidelity Bk & Trust
Simmons Promotions INC
Grant Deed
related
—
Jan 4, 2016
$2,000,000
Fidelity Bk & Trust
East Dubuque Svgs Bk
Warranty Deed
related
—
Coming soon
Costs & Benchmarks
Operating expenses, capex projections, utility benchmarks, and submarket comparables — all in one view.
Coming soon
Risks
Flood, climate, environmental, title, and tenant-concentration risk — surfaced with mitigations and source citations.
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