119 E Water St, Decorah, IA 52101 Property Records

Winneshiek County property record for 119 E Water St, Decorah, IA 52101

Property Summary

Property Type	Professional Building (Legal, Insurance, Real Estate, Business)
Details	1,584 sqft · built 1978
Lot Size	0.058 acres (2,508 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Oct 2018)
Tax Bill	$4,310 (2026)
Deeds & Mortgages	Nov 2024 Transfer Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`111643200800`

Property Details

APN / Parcel Number

Primary APN	`111643200800`

Interior

Stories	1 Story
Building Area	1,584 sqft Gross Area
1st Floor Area	1,584 sqft
Basement Area	1,584 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Concrete Block
Roof Material	Urethane Foam
Lot Area	2,508 sqft (0.058 acres)
Lot Dimensions	114 ft deep x 22 ft wide

Utilities, Heating & Cooling

Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	119 E WATER ST
City	DECORAH
State	IA
Zip	52101-1801
Property Category	Commercial
Property Type	Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business)
Legal Description	LOT 8 N 1/2 OF BLK 13 ORIGINAL DECORAH
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Subdivision	ORIGINAL DECORAH
Legal Block	13
Legal Lot Number	8
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1059
Census Tract	950200

Historic Designation

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.

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 Record	Individual Name on Record
Mailing Address	210 E BROADWAY ST, DECORAH, IA 52101-1816
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2024	Intrafamily Transfer, Transfer
Oct 29, 2018	Deed of Trust, Mortgage DECORAH BANK & TRUST COMPANY
Oct 29, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Deed Document Number	20183052
Deed Book / Page	2018 / 3052
Last Transfer Date	Nov 19, 2024
Transfer Doc	02024/2544
Record Updated	Oct 29, 2026

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNESHIEK IA
Recording Date	Nov 20, 2024
Property Address	119 E WATER ST, DECORAH, IA 52101-1801
Document Number	02024/2544
Book / Page	2024 / 2544
Map Reference	MB A PG 209
Instrument Date	Nov 19, 2024
Instrument	2024 2544
Transaction Type	Transfer
Record Updated	Oct 21, 2025

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
Address	210 E BROADWAY ST, DECORAH, IA 52101-1816

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	119 E WATER ST, DECORAH, IA 52101-1801
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000003053
Date	Oct 29, 2018
Book Page	0000002018/0000003053
Instrument	000000003053

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Amount	Amount Recorded

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 29, 2018
Property Address	119 E WATER ST, DECORAH, IA 52101-1801
Document Number	02018/3052
Book / Page	2018 / 3052
Instrument Date	Oct 26, 2018
Instrument	20183052
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1861 CENTENNIAL RD, DECORAH, IA 52101-7560

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	$4,310.00	$197,710 (-) Land $32,950 Building $164,760	$197,710 (-) Land $32,950 Building $164,760
2025	$4,310.00 (+12.24%)	$197,710 (+11.62%) Land $32,950 Building $164,760	$197,710 (+11.62%) Land $32,950 Building $164,760
2024	$3,840.00 (+22.84%)
2023		$177,120 (+19.92%) Land $32,950 Building $144,170	$177,120 (+19.92%) Land $32,950 Building $144,170
2022	$3,126.00	$147,700 Land $27,460 Building $120,240
2021			$147,700 Land $27,460 Building $120,240

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	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	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.

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 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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