1012 River St, Decorah, IA 52101 Property Records

Winneshiek County property record for 1012 River St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,176 sqft · built 1976
Lot Size	0.284 acres (12,400 sqft)
Owner	Individual Name on File
Last Sale	$230,500 (Jul 2021)
Tax Bill	$4,716 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`112125601200`

Property Details

APN / Parcel Number

Primary APN	`112125601200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Basement Area	1,176 sqft
Finished Basement	600 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,400 sqft (0.284 acres)
Lot Dimensions	124 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	1012 RIVER ST
City	DECORAH
State	IA
Zip	52101-2138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 7 & 8 BLK 8 PAINE & O'CONNOR
Legal Block	8
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	4
Census Block	4020
Census Tract	950300

Owner

Source: Winneshiek County assessment roll, as of May 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1012 RIVER ST, DECORAH, IA 52101-2138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WAUKON STATE BANK
Jul 27, 2021	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 27, 2021 · Amount on Record
Deed Sale	Jul 27, 2021 · Amount on Record
Deed Document Number	2021 2996
Deed Book / Page	2021 / 2996
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1012 RIVER ST, DECORAH, IA 52101-2138
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1201
Date	Apr 20, 2020
Book Page	2020/1201
Instrument	2020 1201

Lender

Name	WAUKON STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jul 27, 2021
Property Address	1012 RIVER ST, DECORAH, IA 52101-2138
Document Number	2021/2996
Book / Page	2021 / 2996
Instrument Date	Jul 26, 2021
Instrument	2021 2996
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$368.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 RIVER ST, DECORAH, IA 52101-2138

Mortgage

Document Number	2021299720212997
Date	Jul 27, 2021
Instrument	2021 299720212997

Lender

Name	DECORAH BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Winneshiek County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Winneshiek County
Municipality	Decorah City
Unified School District	Decorah Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$286,490 (+14.34%) Land $41,160 Building $245,330	$286,490 (+14.34%) Land $41,160 Building $245,330
2024	$4,716.00 (+4.71%)
2023		$250,560 (+15.9%) Land $41,160 Building $209,400	$250,560 (+15.9%) Land $41,160 Building $209,400
2022	$4,504.00	$216,190 Land $34,300 Building $181,890
2021			$216,190 Land $34,300 Building $181,890

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DECORAH WATER DEPARTMENT serves 7,615 people · EPA ID IA9630012
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	9 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable	1,000 / 50
AMG Technology Investment Group Fixed Wireless	100 / 20

May also be available: LTD Broadband.

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