103 Spring St, Decorah, IA 52101 Property Records

Winneshiek County property record for 103 Spring St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 994 sqft · built 1954
Lot Size	0.174 acres (7,590 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jun 2023)
Tax Bill	$3,636 (2026)
Deeds & Mortgages	Aug 2017 Line of Credit Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`111742701100`

Property Details

APN / Parcel Number

Primary APN	`111742701100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	994 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	600 sqft
Unfinished Basement	264 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,590 sqft (0.174 acres)
Lot Dimensions	138 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	103 SPRING ST
City	DECORAH
State	IA
Zip	52101-1521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BLK 16 MORSE'S ADDITION W DECORAH
Legal Range	08W
Legal Township	98N
Legal Section	17
Legal Subdivision	MORSES ADD
Legal Block	16
Legal Lot Number	14
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2032
Census Tract	950200

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	Individual Name on Record
Mailing Address	103 SPRING ST, DECORAH, IA 52101-1521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2017	Deed of Trust, Mortgage · Line of Credit KERNDT BROTHERS SAVINGS BANK
Jun 19, 2023	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2023 · Amount on Record
Deed Sale	Jun 19, 2023 · Amount on Record
Prior Sale	Mar 26, 2015 · Amount on Record
Deed Document Number	20231539
Deed Book / Page	2023 / 1539
Prior Transfer Date	Apr 21, 2023
Prior Transfer Doc	0000001097
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	103 SPRING ST, DECORAH, IA 52101-1521
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2344
Date	Aug 11, 2017
Book Page	2017/2344
Instrument	2017 2344

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank
Address	LANSING, IA 52151

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 15, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jun 19, 2023
Property Address	103 SPRING ST, DECORAH, IA 52101-1521
Document Number	02023/1539
Book / Page	2023 / 1539
Instrument Date	Jun 2, 2023
Instrument	2023 1539
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SPRING ST, DECORAH, IA 52101-1521

Mortgage

Document Number	0020231540
Date	Jun 19, 2023
Instrument	2023 1540

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

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	$3,636.00	$221,120 (-) Land $28,610 Building $192,510	$221,120 (-) Land $28,610 Building $192,510
2025	$3,636.00 (+5.82%) Homeowner's exemption	$221,120 (+37.16%) Land $28,610 Building $192,510	$221,120 (+37.16%) Land $28,610 Building $192,510
2024	$3,436.00 (+29.86%)
2023		$161,210 (+15.78%) Land $28,610 Building $132,600	$161,210 (+15.78%) Land $28,610 Building $132,600
2022	$2,646.00 (+23.07%) Homeowner's exemption	$139,240 Land $23,840 Building $115,400
2021	$2,150.00		$139,240 Land $23,840 Building $115,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	5 (2016)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Aug 2016 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · above 49% 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 299 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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