Dubuque Real Estate For Sale

Dubuque Real Estate For Sale – Dubuque Area Homes, Listings in the Dubuque area, Ruhl Homes, Tom Rauen,

1023 Shady Oaks

Beautiful and spacious two story home, in a park like setting. This south side of Dubuque home offers many amenities: Brazilian cherry floors on mail level in entry and study. Open floor plan, large kitchen counter with barstools included, built in appliances, master suite on main flr, 3 upper level bedrooms. Non conforming LL bedroom or office. Wonderful quiet neighborhood. Many improvements: new sidewalks, paint, landscaping, fountains and much more.  For more information on this property please call Tom Rauen – 563-590-9856.

Beautiful ranch home – Grand entry, formal Living & Dining rooms, family room on main has fireplace & view to the very private 2.4 acre wooded backyard. Great kitchen w/ quartz countertops & oak hdwd floors. Mstr BR has walk-in closet & whirlpool tub. 6 large BR’s, 4 BA’s, fully finished w/o LL with kitchenette. Daylight capped garage w/ builtins for a shop or hobbyist. $89/mo heat cost reflects 6 months. 2×6 walls, recirculating hot water system, zoned heating, central vac, maint. free deck.

16872 Daisy Trail

AMAZING! Brick custom home with highest quality throughout on wooded 1 acre lot. Big kitchen features cherry cabinets, hardwood floors, granite counters, stainless appliances, and hearth area. Walnut ceilings and built in shelving in office. 11″ ceilings, 2 fireplaces, main floor master suite with spa bath. Awesome lower level with bar, great room, and exercise room. 3 car attached garage. 16×16 screened porch with privacy and great view.

Property Details

Listing Price: 594,500
Address: 16872 Daisy Trail
City: Dubuque
State: IA
ZIP: 52001
MLS # (if any): 113914
Square Feet: 5,194
Bedrooms: 4
Bathrooms: 3
Basement (full, 1/2, finished, unfinished): Full

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16555 Rolling Hills

10 Acre estate on the outskirts of Dubuque. Privacy and Seclusion, Gated access and Panoramic views. Grand, 2 story foyer with custom made staircase. Fabulous walnut kitchen with granite counters. Oversized baths fully tiled. Enclosed, fully tiled lap pool. Lower level finished with raised panel walnut walls and travertine marble floors. Concrete deck across back of home. Carriage house with 12 foot doors. Ideal property for horses.

Is it time to Refinance?

Refinancing – What You Must Know

Refinancing is the process of paying off your existing mortgage and replacing it with a new mortgage, done with the goal of improving your financial status.

Why Refinance?

A refinance should help you save money in the short or long term period. If it won’t do that, you shouldn’t refinance. Reasons to refinance include:

  • Rates have dropped. You can lock in a lower rate resulting in a lower monthly payment.
  • Shorter term. Refinancing from a 30 or 40-year term down to a 10 or 15-year term will help you pay off your mortgage much more quickly. In addition, rates are often lower on shorter term mortgages. Debt consolidation.
  • Pay off other bills and loans by rolling your other expenses into one mortgage loan.

How Does Refinancing Work?

A refinance is essentially a brand new mortgage that replaces the one you have. Just as when you originally bought your home, your refinanced mortgage charges fees including a new appraisal, title search and insurance and closing costs. According to experts, you should not refinance your mortgage if you cannot recoup the fees within two years.

Facts You Must Know When You Refinance

  • You must have equity in your home to refinance in today’s more conservative underwriting environment. 20% equity is ideal, but 5% is usually acceptable.
  • Know if you have a prepayment penalty on your existing mortgage before you refinance. Those penalties are severe and costly. Most of the time, if you have a prepayment penalty, you should not refinance your mortgage.
  • If your home was recently listed for sale, you may not qualify to refinance. Generally, a lender feels more comfortable that you won’t be selling the house and paying off this new mortgage immediately if the listing date at least six months prior to the refinance.


Find a Loan Officer – Choose from any one of our knowledgeable and helpful 1862 Mortgage Loan Officers and Ruhl&Ruhl Realtors to help you through the home buying process.

Fall Home Maintenance Check-List

Outside you’ll need to check gutters and problem tree limbs. Indoors you’ll want to tend to your large appliances and tackle overflowing closets.

November is a good month to move some maintenance efforts indoors. This month also provides an opportunity to see if your hard work during earlier months paid off — nothing tests waterproofing efforts like a hard November rain.

Maintain large appliances
As the holiday season begins, make sure your appliances are prepared for the demands you will place on them.

Pull your refrigerator from the wall and clean the condenser coils in back with a vacuum cleaner with a brush attachment. Also, vacuum dust from the front lower grille and clean the drip pan and the drain leading to it (if your unit has one).

Clean the oven and stove drip pans on your electric range. Clean the surface burner on your gas stove to ensure proper flame level.

De-stench your in-sink garbage disposal by packing it with ice cubes and 1/4 cup of baking soda; then turn it on. After the ice-grinding noise stops, pour a kettle full of boiling water into the sink.

Check the dishwasher strainer and washer arm; clean if necessary.

Clean and maintain closets
Go to your closets and perform these two simple tests: Can you see floor space, and can you easily close the door? If the answer to either one of these questions is no, clean your closet. Cramped closets can provide haven for pests, too-full racks can break free from walls, and sliding doors can be derailed by too much stuff. Add compartments and hanging racks at different levels to utilize more space.

Maintain woodwork
November is a good month to repair and reglue woodwork, since indoor air is at its driest. If you are regluing wobbly dining room chairs, clamp during drying by wrapping a rope tightly around the perimeter of the legs. Be sure to protect wood surfaces with cardboard before tightening rope. Try using toothpaste on white water stains on wood surfaces. Once the stain is removed, polish with furniture polish. Use paste wax and elbow grease to put a new sheen on wood furniture.

Clear leaves from gutters
Cleaning gutters is a slimy job, but the task will protect your siding and basement from expensive water damage. Don long rubber gloves, grab a gallon bucket and scoop leaves into the bucket by hand. Trying to use a garden trowel or other device just makes the task more cumbersome and can damage gutters. Blast the scum from the bottom of the gutter with a hose equipped with a pressure nozzle. If it doesn’t drain well, feed your running hose up the pipe to knock loose the clog. Dump the contents of the bucket on your compost pile and pat yourself on the back for a dirty job well done.

Speaking of leaves …
Check some other places where accumulated leaves can be a problem. If leaves are piled in the valleys of your roof, they can retain water and initiate leaks. Walk your property with a shovel and clear drainage ditches and culverts of leaf buildup. Also, a moderate amount of leaves on a lawn can provide a natural mulch, but if large amounts are left to soak up winter rains, they will smother the grass beneath them.

Have problem trees trimmed
Now that you’ve cleaned your gutters, you know which trees are dumping leaves on your roof, shading it enough to encourage moss, and close enough to cause serious damage should they lose a branch in a storm. Trees are dormant this time of the year and can withstand extensive pruning. Decide which ones need cutting back and hire a professional to do the job. This is not a do-it-yourself task if the trees you are looking at are high enough to affect your roof. Trimming large trees is a dangerous job that should be left to an expert.

Maintain moisture
Heaters, especially forced air and wood stoves, can rob a home of humidity. A touch of moisture in the air makes heated air feel warmer, so you can keep the heat at a slightly lower temperature if your humidity is balanced. If your woodwork is cracking or your skin seems excessively dry, you need more moisture in your home. A furnace-mounted humidifier is likely the answer if your home has central forced-air heat and other measures don’t moisten things up. If you have a wood stove, put a nonwhistling teakettle on it and add water regularly (check it daily to make sure the water hasn’t evaporated). If you prefer not to go by feel, buy an inexpensive instrument called a hygrometer that measures humidity.

Maintain pools down south
For most of the country, pools are out of sight and out of mind during November. But if you live in sunny southern climes, this month marks the beginning of the dry season and the time to begin any pool maintenance job that requires emptying the pool. If a pool is emptied when groundwater levels are high, it can “float” and damage itself. So if you’re fortunate enough to live in a place where you can actually enjoy your pool in December, consider having major maintenance like replastering done this time of year.

Check your sump pump
Some unfinished basements in wet areas have sump pumps installed. These pumps switch on automatically when groundwater levels rise, eliminating basement water before it becomes a problem. If you have one, make sure it is in good working order before the rainy season starts.

Buy foam-cup covers for outdoor faucets
Be prepared to protect your spigots when the weather gets chilly and flirts with going below the freezing level. The foam cups are commonly sold at hardware stores and provide a cheap insurance policy that will help keep exposed pipes from freezing.