1019 River St, Decorah, IA 52101 Property Records

Winneshiek County property record for 1019 River St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1978
Lot Size	0.181 acres (7,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (May 2013)
Tax Bill	$4,106 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2025 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`112125501500`

Property Details

APN / Parcel Number

Primary APN	`112125501500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Basement Area	1,344 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,875 sqft (0.181 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	1019 RIVER ST
City	DECORAH
State	IA
Zip	52101-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 L 9 & ALL OF LOT 10 BLK 7 PAINE & O'CONNOR'S ADDN
Legal Range	08W
Legal Township	98N
Legal Section	21
Legal Subdivision	PAINE & OCONNORS ADD
Legal Block	7
Legal Lot Number	10
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	4
Census Block	4021
Census Tract	950300

Owner

Source: Winneshiek County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1019 RIVER ST, DECORAH, IA 52101-2137
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Apr 17, 2025	Deed of Trust, Mortgage · Line of Credit WAUKON STATE BANK
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit DECORAH BANK & TRUST CO
Mar 30, 2026	Intrafamily Transfer, Transfer
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit DECORAH BANK & TRUST CO
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
May 29, 2013	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO
Apr 1, 2011	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2013 · Amount on Record
Deed Sale	May 29, 2013 · Amount on Record
Prior Sale	Apr 1, 2011 · Amount on Record
Deed Document Number	20131875
Deed Book / Page	2013 / 1875
Last Transfer Date	Mar 26, 2026
Transfer Doc	0000000644
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/4265
Date	Oct 13, 2020
Book Page	2020/4265
Instrument	2020 4265

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1019 RIVER ST, DECORAH, IA 52101-2137

Mortgage

Document Number	02025/1019
Date	Apr 17, 2025
Book Page	2025/1019
Instrument	2025 1019

Lender

Name	WAUKON STATE BANK
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/4136
Date	Oct 19, 2021
Book Page	2021/4136
Instrument	2021 4136

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2135
Date	Jul 25, 2017
Book Page	2017/2135
Instrument	2017 2135

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 18, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNESHIEK IA
Recording Date	Mar 30, 2026
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Document Number	002026/644
Book / Page	2026 / 644
Instrument Date	Mar 26, 2026
Instrument	2026 644
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1019 RIVER ST, DECORAH, IA 52101-2137

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/4136
Date	Oct 19, 2021
Book Page	2021/4136
Instrument	2021 4136

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/2135
Date	Jul 25, 2017
Book Page	2017/2135
Instrument	2017 2135

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 18, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/4265
Date	Oct 13, 2020
Book Page	2020/4265
Instrument	2020 4265

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

May 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	May 29, 2013
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Document Number	02013/1875
Book / Page	2013 / 1875
Instrument Date	May 24, 2013
Instrument	2013 1875
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$250.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1019 RIVER ST, DECORAH, IA 52101-2137

Mortgage

Document Number	02013/1876
Date	May 29, 2013
Book Page	2013/1876
Instrument	2013 1876

Lender

Name	DECORAH BANK & TRUST CO
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2043

April 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Apr 1, 2011
Property Address	1019 RIVER ST, DECORAH, IA 52101-2137
Document Number	02011/1003
Book / Page	2011 / 1003
Instrument Date	Mar 30, 2011
Instrument	2011 1003
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1019 RIVER ST, DECORAH, IA 52101-2137

Mortgage

Document Number	0020111004
Date	Apr 1, 2011
Instrument	2011 1004

Lender

Name	DECORAH BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

Source: Winneshiek County assessment roll, as of October 21, 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
2026	$4,106.00	$250,280 (+0.79%) Land $29,300 Building $220,980	$250,280 (+0.79%) Land $29,300 Building $220,980
2025	$4,106.00 (+3.37%) Homeowner's exemption	$248,330 (+12.24%) Land $29,300 Building $219,030	$248,330 (+12.24%) Land $29,300 Building $219,030
2024	$3,972.00 (+4.64%)
2023		$221,250 (+15.8%) Land $29,300 Building $191,950	$221,250 (+15.8%) Land $29,300 Building $191,950
2022	$3,796.00 Homeowner's exemption	$191,060 Land $24,410 Building $166,650
2021			$191,060 Land $24,410 Building $166,650

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 62% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Nextlink Fixed Wireless	100 / 20

May also be available: GigFire.

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