122 E Water St, Decorah, IA 52101 Property Records

Winneshiek County property record for 122 E Water St, Decorah, IA 52101

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,112 sqft · built 1900
Lot Size	0.058 acres (2,508 sqft)
Owner	Company Name on Record
Last Sale	$69,000 (May 2019)
Tax Bill	$2,758 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`111642706000`

Property Details

APN / Parcel Number

Primary APN	`111642706000`

Interior

Stories	2 Stories
Building Area	2,112 sqft Gross Area
1st Floor Area	1,034 sqft
Basement Area	1,034 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Metal
Construction Type	Frame
Roof Material	Shingle
Lot Area	2,508 sqft (0.058 acres)
Lot Dimensions	114 ft deep x 22 ft wide
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	122 E WATER ST
City	DECORAH
State	IA
Zip	52101-1802
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	LOT 4 SUBD OF LOT 2 LOT 4 SUBD OF LOT 2 BLK 2 ORIG DECORAH BLK 2 ORIG DECORAH
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Subdivision	DECORAH
Legal Block	2
Legal Lot Number	2,4
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1054
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	Company Name on Record
Mailing Address	378 N LINE DR, WAUKON, IA 52172-7956
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2019	Deed of Trust, Mortgage · Balloon Mortgage PEOPLES STATE BANK
Aug 26, 2019	Deed of Trust, Mortgage · Balloon Mortgage PEOPLES STATE BANK
May 20, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Deed Document Number	20191187
Deed Book / Page	2019 / 1187
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	122 E WATER ST, DECORAH, IA 52101-1802
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2225
Date	Aug 13, 2019
Book Page	2019/2225
Instrument	2225

Lender

Name	PEOPLES STATE BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	122 E WATER ST, DECORAH, IA 52101-1802
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2357
Date	Aug 26, 2019
Book Page	2019/2357
Instrument	2357

Lender

Name	PEOPLES STATE BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	May 20, 2019
Property Address	122 E WATER ST, DECORAH, IA 52101-1802
Document Number	2019/1187
Book / Page	2019 / 1187
Instrument Date	May 15, 2019
Instrument	1187
Transaction Type	Transfer
Record Updated	Sep 10, 2021

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
Address	378 N LINE DR, WAUKON, IA 52172-7956

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	$2,758.00	$157,630 (-) Land $32,950 Building $124,680	$157,630 (-) Land $32,950 Building $124,680
2025	$2,758.00 (+1.85%)	$157,630 (+10.97%) Land $32,950 Building $124,680	$157,630 (+10.97%) Land $32,950 Building $124,680
2024	$2,708.00 (+5.78%)
2023		$142,050 (+17.43%) Land $32,950 Building $109,100	$142,050 (+17.43%) Land $32,950 Building $109,100
2022	$2,560.00	$120,970 Land $27,460 Building $93,510
2021			$120,970 Land $27,460 Building $93,510

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
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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