1205 Michael Dr, Decorah, IA 52101 Property Records

Winneshiek County property record for 1205 Michael Dr, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,320 sqft · built 1994
Lot Size	0.207 acres (9,021 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Sep 2020)
Tax Bill	$4,944 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`110923300800`

Property Details

APN / Parcel Number

Primary APN	`110923300800`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
Basement Area	1,320 sqft
Finished Basement	650 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,021 sqft (0.207 acres)
Lot Dimensions	93 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1205 MICHAEL DR
City	DECORAH
State	IA
Zip	52101-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 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	3
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	4
Census Block	4029
Census Tract	950200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1205 MICHAEL DR, DECORAH, IA 52101-9675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Deed Document Number	20204011
Deed Book / Page	2020 / 4011
Prior Transfer Date	May 16, 2010
Prior Transfer Doc	2010/1777
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Sep 28, 2020
Property Address	1205 MICHAEL DR, DECORAH, IA 52101-9675
Document Number	02020/4011
Book / Page	2020 / 4011
Instrument Date	Sep 28, 2020
Instrument	2020 4011
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$351.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 MICHAEL DR, DECORAH, IA 52101-9675

Mortgage

Document Number	0020204012
Date	Sep 28, 2020
Instrument	2020 4012

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

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	$4,944.00	$296,720 (-) Land $43,530 Building $253,190	$296,720 (-) Land $43,530 Building $253,190
2025	$4,944.00 (+4%) Homeowner's exemption	$296,720 (+12.93%) Land $43,530 Building $253,190	$296,720 (+12.93%) Land $43,530 Building $253,190
2024	$4,754.00 (+3.75%)
2023		$262,740 (+14.84%) Land $43,530 Building $219,210	$262,740 (+14.84%) Land $43,530 Building $219,210
2022	$4,582.00 Homeowner's exemption	$228,790 Land $36,280 Building $192,510
2021			$228,790 Land $36,280 Building $192,510

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
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

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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