Winneshiek County property record for 106 E Water St, Decorah, IA 52101
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 4,972 sqft · built 1900 |
| Lot Size | 0.058 acres (2,508 sqft) |
| Owner | Company Name on File |
| Tax Bill | $5,752 (2026) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 111642706400 |
| Primary APN | 111642706400 |
|---|
| Units | 3 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,972 sqft Gross Area |
| 1st Floor Area | 1,672 sqft |
| Basement Area | 1,672 sqft |
| Overhead Door | Overhead Door |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Roof Material | Rolled Roofing |
| Lot Area | 2,508 sqft (0.058 acres) |
| Lot Dimensions | 114 ft deep x 22 ft wide |
| Total Buildings | 3 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Water Source | Commercial |
| Street Address | 106 E WATER ST |
|---|---|
| City | DECORAH |
| State | IA |
| Zip | 52101-1864 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | LOTS 9 & 1-10 BLK 2 LOTS 9 & 1-10 BLK 2 ORIG DECORAH ORIG DECORAH |
| Legal Range | 08W |
| Legal Township | 98N |
| Legal Section | 16 |
| Legal Subdivision | DECORAH |
| Legal Block | 2 |
| Legal Lot Number | 1-10 |
| Jurisdiction | WINNESHIEK IA |
| Township / Civil Division | DECORAH |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 950200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Decorah Commercial Historic District listed 2017 · 86 contributing resources · NRIS 100001482 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
106 E Water St, a commercial property, is owned by a company.
Source: Winneshiek County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2833 FOREST DR, DES MOINES, IA 50312-4413 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 106 E WATER ST, DECORAH, IA 52101-1864 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/2060 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 2021/2060 |
| Instrument | 2021 2060 |
| Name | DECORAH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 18, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 106 E Water St was $5,752.
Source: Winneshiek County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Winneshiek County |
| Municipality | Decorah City |
| Unified School District | Decorah Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,752.00 | $286,170 (-) Land $32,950 Building $253,220 | $286,170 (-) Land $32,950 Building $253,220 |
| 2025 | $5,752.00 (+10.57%) | $286,170 Land $32,950 Building $253,220 | $286,170 Land $32,950 Building $253,220 |
| 2024 | $5,202.00 | ||
| 2023 | $254,520 (+17.09%) Land $32,950 Building $221,570 | $254,520 Land $32,950 Building $221,570 | |
| 2022 | $4,600.00 | $217,380 Land $27,460 Building $189,920 | |
| 2021 | $217,380 Land $27,460 Building $189,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 E Water St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2016.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 4 (2016) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Aug 2016 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
The area around 106 E Water St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 517 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Nextlink Fixed Wireless | 100 / 20 |
May also be available: GigFire.
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