106 Spring St, Decorah, IA 52101 Property Records

Winneshiek County property record for 106 Spring St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,225 sqft · built 1958
Lot Size	0.348 acres (15,180 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,950 (2026)
Deeds & Mortgages	Nov 2019 Refinance Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`111742800400`

Property Details

APN / Parcel Number

Primary APN	`111742800400`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,225 sqft Living Area
Basement Area	1,225 sqft
Finished Basement	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,180 sqft (0.348 acres)
Lot Dimensions	138 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	106 SPRING ST
City	DECORAH
State	IA
Zip	52101-1522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 6 & 7 BLK 15 WEST DECORAH MORSES
Legal Range	08W
Legal Township	98N
Legal Section	17
Legal Subdivision	MORSE ADDITION
Legal Block	15
Legal Lot Number	6,7
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2031
Census Tract	950200

Owner

106 Spring St is owned and occupied by two individuals who acquired it in April 2015.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	106 SPRING ST, DECORAH, IA 52101-1522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DECORAH BANK & TRUST COMPANY
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Mar 25, 2021	Deed of Trust, Mortgage · Commercial Mortgage DECORAH BANK & TRUST CO
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2015
Deed Sale	Apr 24, 2015
Deed Document Number	20151166
Deed Book / Page	2015 / 1166
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	106 SPRING ST, DECORAH, IA 52101-1522
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3216
Date	Nov 5, 2019
Book Page	2019/3216
Instrument	3216

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	106 SPRING ST, DECORAH, IA 52101-1522
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3892
Date	Sep 23, 2020
Book Page	2020/3892
Instrument	2020 3892

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	106 SPRING ST, DECORAH, IA 52101-1522
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1259
Date	Mar 25, 2021
Book Page	2021/1259
Instrument	2021 1259

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 18, 2031

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	106 SPRING ST, DECORAH, IA 52101-1522
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3395
Date	Aug 24, 2021
Book Page	2021/3395
Instrument	2021 3395

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 106 Spring St was $4,950 with a homeowner's exemption.

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	$4,950.00	$297,070 (-) Land $54,360 Building $242,710	$297,070 (-) Land $54,360 Building $242,710
2025	$4,950.00 (+3.86%) Homeowner's exemption	$297,070 Land $54,360 Building $242,710	$297,070 Land $54,360 Building $242,710
2024	$4,766.00
2023		$263,450 (+15.63%) Land $54,360 Building $209,090	$263,450 Land $54,360 Building $209,090
2022	$4,562.00 Homeowner's exemption	$227,840 Land $45,300 Building $182,540
2021			$227,840 Land $45,300 Building $182,540

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

Flood

FEMA maps place 106 Spring St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 106 Spring St is low, with a 0.01% annual chance of 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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