1209 Michael Dr, Decorah, IA 52101 Property Records

Winneshiek County property record for 1209 Michael Dr, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,488 sqft · built 1995
Lot Size	0.256 acres (11,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$371,000 (Oct 2024)
Tax Bill	$5,948 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Aug 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`110923300600`

Property Details

APN / Parcel Number

Primary APN	`110923300600`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,488 sqft Living Area
Basement Area	1,488 sqft
Finished Basement	1,100 sqft
Unfinished Basement	388 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,160 sqft (0.256 acres)
Lot Dimensions	93 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1209 MICHAEL DR
City	DECORAH
State	IA
Zip	52101-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 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	5
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	1209 MICHAEL DR, DECORAH, IA 52101-9675
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2018	Deed of Trust, Mortgage MAYO EMPLOYEES FCU
Aug 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Oct 6, 2015	Deed of Trust, Mortgage · Conventional Mortgage WAUKON STATE BANK
Jun 6, 2013	Deed of Trust, Mortgage · Conventional Mortgage VIKING STATE BANK AND TRUST
Oct 31, 2013	Deed of Trust, Mortgage MAYO EMPLOYEES CU
Oct 3, 2022	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2024 · Amount on Record
Deed Sale	Oct 14, 2024 · Amount on Record
Prior Sale	Aug 24, 2012 · Amount on Record
Deed Document Number	20242238
Deed Book / Page	2024 / 2238
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1209 MICHAEL DR, DECORAH, IA 52101-9675
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02018/0044
Date	Jan 4, 2018
Book Page	2018/0044
Instrument	2018 0044

Lender

Name	MAYO EMPLOYEES FCU
Type	Credit Union
Address	ROCHESTER, MN 55902

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Dec 28, 2027

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1209 MICHAEL DR, DECORAH, IA 52101-9675
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2488
Date	Aug 3, 2022
Book Page	2022/2488
Instrument	2022 2488

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 3, 2023

Interest

Rate Type	Fixed Rate

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1209 MICHAEL DR, DECORAH, IA 52101-9675
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02015/2909
Date	Oct 6, 2015
Book Page	2015/2909
Instrument	2015 2909

Lender

Name	WAUKON STATE BANK
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1209 MICHAEL DR, DECORAH, IA 52101-9675
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/2034
Date	Jun 6, 2013
Book Page	2013/2034
Instrument	2013 2034

Lender

Name	VIKING STATE BANK AND TRUST
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2043

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1209 MICHAEL DR, DECORAH, IA 52101-9675
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/3719
Date	Oct 31, 2013
Book Page	2013/3719
Instrument	2013 3719

Lender

Name	MAYO EMPLOYEES CU
Address	ROCHESTER, MN 55905

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 28, 2018

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 3, 2022
Property Address	1209 MICHAEL DR, DECORAH, IA 52101-9675
Document Number	02022/3080
Book / Page	2022 / 3080
Instrument Date	Sep 30, 2022
Instrument	2022 3080
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 MICHAEL DR, DECORAH, IA 52101-9675

Mortgage

Document Number	0020223081
Date	Oct 3, 2022
Instrument	2022 3081

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

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	$5,948.00	$369,470 (-) Land $48,470 Building $321,000	$369,470 (-) Land $48,470 Building $321,000
2025	$5,948.00 (+2.59%) Homeowner's exemption	$369,470 (+16.12%) Land $48,470 Building $321,000	$369,470 (+16.12%) Land $48,470 Building $321,000
2024	$5,798.00 (+4.88%)
2023		$318,190 (+16.06%) Land $48,470 Building $269,720	$318,190 (+16.06%) Land $48,470 Building $269,720
2022	$5,528.00 Homeowner's exemption	$274,150 Land $40,390 Building $233,760
2021			$274,150 Land $40,390 Building $233,760

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	Under 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 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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