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111 E Water St, Decorah, IA 52101 Property Records

Winneshiek County property record for 111 E Water St, Decorah, IA 52101

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details2,816 sqft · built 1900
Lot Size0.063 acres (2,754 sqft)
OwnerCompany Name on Record
Last Sale$350,000 (May 2025)
Tax Bill$3,794 (2026)
Deeds & MortgagesJan 2026 Line of Credit
Flood ZoneZone X (minimal risk)
APN111643200500

Property Details

APN / Parcel Number

Primary APN111643200500

Interior

Stories2 Stories
Building Area2,816 sqft Gross Area
1st Floor Area1,012 sqft
Basement Area506 sqft
Overhead DoorOverhead Door

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialBrick
Roof MaterialRolled Roofing
Lot Area2,754 sqft (0.063 acres)
Lot Dimensions114 ft deep x 23 ft wide
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address111 E WATER ST
CityDECORAH
StateIA
Zip52101-1801
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal DescriptionLOT 4 EXC N 70' OF LOT 4 EXC N 70' OF W 30" & W 3' OF W 30" & W 3' OF LOT 5 N1/2 OF BLK 13 LOT 5 N1/2 OF BLK 13 ORIG DECORAH ORIG DECORAH
Legal Range08W
Legal Township98N
Legal Section16
Legal SubdivisionCITY DECORAH
Legal Block13
Legal Lot Number4,5
JurisdictionWINNESHIEK IA
Township / Civil DivisionDECORAH
Census Block Group1
Census Block1059
Census Tract950200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

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 RecordCompany Name on Record
Mailing Address402 OAK ST, DECORAH, IA 52101-2726
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 30, 2025 · Amount on Record
Deed SaleMay 30, 2025 · Amount on Record
Deed Document Number20251323
Deed Book / Page2025 / 1323
Last Transfer DateJan 23, 2026
Transfer Doc0000000181
Record UpdatedOct 29, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINNESHIEK IA
Property Address111 E WATER ST, DECORAH, IA 52101-1801
Transaction TypeMortgage
Record UpdatedFeb 11, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1002 RIVER ST, DECORAH, IA 52101-2138

Mortgage

Document Number002026/249
DateJan 30, 2026
Book Page2026/249
Instrument2026 249
Lender
NameDECORAH BANK & TRUST CO
TypeBank
AddressDECORAH, IA 52101
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 30, 2056

Tax Assessment & Valuation

Source: Winneshiek County assessment roll, as of October 21, 2025

Property Jurisdictions

TypeName
StateIowa
CountyWinneshiek County
MunicipalityDecorah City
Unified School DistrictDecorah Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,794.00$216,830 (-) Land $35,470 Building $181,360$216,830 (-) Land $35,470 Building $181,360
2025$3,794.00 (+2.49%)$216,830 (+11.68%) Land $35,470 Building $181,360$216,830 (+11.68%) Land $35,470 Building $181,360
2024$3,702.00 (+5.65%)
2023$194,160 (+17.25%) Land $35,470 Building $158,690$194,160 (+17.25%) Land $35,470 Building $158,690
2022$3,504.00$165,590 Land $29,560 Building $136,030
2021$165,590 Land $29,560 Building $136,030

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 24 policies
Nearby Flood Policies24 in force
Nearby Flood Claims4 (2016)
Claims Outside the SFHA3 of 4
Most Recent ClaimAug 2016 · Severe Storms, Straight-line Winds, 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 RiskNot rated
no burnable land within 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 SystemDECORAH WATER DEPARTMENT
serves 7,615 people · EPA ID IA9630012
Water SourceGroundwater
Last State InspectionJun 2024
Lead9 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 517 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Nextlink
Fixed Wireless		100 / 20

May also be available: GigFire.

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