1203 Michael Dr, Decorah, IA 52101 Property Records

Winneshiek County property record for 1203 Michael Dr, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,090 sqft · built 1994
Lot Size	0.207 acres (9,021 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Dec 2020)
Tax Bill	$4,476 (2026)
Deeds & Mortgages	Dec 2016 Line of Credit May 2012 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`110923300900`

Property Details

APN / Parcel Number

Primary APN	`110923300900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,090 sqft Living Area
Basement Area	1,090 sqft
Finished Basement	550 sqft
Unfinished Basement	540 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,021 sqft (0.207 acres)
Lot Dimensions	93 ft deep x 97 ft wide
Porch	Slab
Porch Area	135 sqft
Deck Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1203 MICHAEL DR
City	DECORAH
State	IA
Zip	52101-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 2 NORTH HOME 5TH ADDN
Legal Range	08W
Legal Township	98N
Legal Section	09
Legal Subdivision	NORTH HOME 5TH ADD
Legal Block	2
Legal Lot Number	2
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	4
Census Block	4029
Census Tract	950200

Owner

1203 Michael Dr is owned and occupied by two individuals who bought it in December 2020.

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	1203 MICHAEL DR, DECORAH, IA 52101-9675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2016	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS SAVINGS BANK
May 16, 2012	Deed of Trust, Mortgage · Conventional Mortgage LUANA SAVINGS BANK
Jan 22, 2024	Deed of Trust, Mortgage · Line of Credit DECORAH BANK & TRUST CO
Dec 31, 2020	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on File
Deed Sale	Dec 31, 2020 · Amount on File
Deed Document Number	20205499
Deed Book / Page	2020 / 5499
Record Updated	Oct 29, 2026

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1203 MICHAEL DR, DECORAH, IA 52101-9675
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02016/3854
Date	Dec 1, 2016
Book Page	2016/3854
Instrument	2016 3854

Lender

Name	FARMERS & MERCHANTS SAVINGS BANK
Type	Bank
Address	WAUKON, IA 52172

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1203 MICHAEL DR, DECORAH, IA 52101-9675
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/1805
Date	May 16, 2012
Book Page	2012/1805
Instrument	2012 1805

Lender

Name	LUANA SAVINGS BANK
Type	Bank
Address	LUANA, IA 52156

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2027

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1203 MICHAEL DR, DECORAH, IA 52101-9675
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002024/153
Date	Jan 22, 2024
Book Page	2024/153
Instrument	2024 153

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 18, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Dec 31, 2020
Property Address	1203 MICHAEL DR, DECORAH, IA 52101-9675
Document Number	02020/5499
Book / Page	2020 / 5499
Instrument Date	Dec 29, 2020
Instrument	2020 5499
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$359.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1203 MICHAEL DR, DECORAH, IA 52101-9675
Investor	Possibly a Property Investor

Mortgage

Document Number	0020205500
Date	Dec 31, 2020
Instrument	2020 5500

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1203 Michael Dr was $4,476 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	$4,476.00	$269,720 (-) Land $43,530 Building $226,190	$269,720 (-) Land $43,530 Building $226,190
2025	$4,476.00 (+5.17%) Homeowner's exemption	$269,720 Land $43,530 Building $226,190	$269,720 Land $43,530 Building $226,190
2024	$4,256.00
2023		$236,270 (+15.08%) Land $43,530 Building $192,740	$236,270 Land $43,530 Building $192,740
2022	$4,094.00 Homeowner's exemption	$205,310 Land $36,280 Building $169,030
2021			$205,310 Land $36,280 Building $169,030

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

Flood

FEMA maps place 1203 Michael Dr 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
Nearby Flood Policies	6 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

Wildfire risk around 1203 Michael Dr 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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
Nextlink Fixed Wireless	500 / 100

May also be available: GigFire.

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