126 E Water St, Decorah, IA 52101 Property Records

Winneshiek County property record for 126 E Water St, Decorah, IA 52101

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	5,774 sqft · built 1983
Lot Size	0.115 acres (5,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jan 2021)
Tax Bill	$7,666 (2026)
Deeds & Mortgages	Feb 2013 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`111642706600`

Property Details

APN / Parcel Number

Primary APN	`111642706600`

Interior

Stories	2 Stories
Building Area	5,774 sqft Gross Area
1st Floor Area	1,920 sqft
Basement Area	150 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Shingle
Lot Area	5,016 sqft (0.115 acres)
Lot Dimensions	114 ft deep x 44 ft wide
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	126 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	LOTS 2 & 3 SUBD LOT LOTS 2 & 3 SUBD LOT 1 BLK 2 ORIG DECORAH 1 BLK 2 ORIG DECORAH
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Subdivision	ORIGINAL DECORAH
Legal Block	2
Legal Lot Number	1-3
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	2 Individual Names on Record
Mailing Address	812 5TH AVE, DECORAH, IA 52101-1216
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2013	Deed of Trust, Mortgage FIDELITY BANK & TRUST
Jan 29, 2021	Warranty Deed, Transfer · Conventional Mortgage DECORAH AREA CHAMBER OF COMMER
Sep 13, 2018	Deed, Transfer · Line of Credit MIDWESTONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Prior Sale	Sep 13, 2018 · Amount on Record
Deed Document Number	2021441
Deed Book / Page	2021 / 441
Record Updated	Oct 29, 2026

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	126 E WATER ST, DECORAH, IA 52101-1802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/0719
Date	Feb 27, 2013
Book Page	2013/0719
Instrument	2013 0719

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Amount	Amount Recorded
Term	161 Months
Due	Jun 30, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jan 29, 2021
Property Address	126 E WATER ST, DECORAH, IA 52101-1802
Document Number	002021/441
Book / Page	2021 / 441
Instrument Date	Jan 19, 2021
Instrument	2021 0441
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.20
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	812 5TH AVE, DECORAH, IA 52101-1216

Mortgage

Document Number	0020210513
Date	Jan 29, 2021
Instrument	2021 0513

Lender

Name	DECORAH AREA CHAMBER OF COMMER
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Feb 1, 2028

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	002021/442
Date	Jan 29, 2021
Book Page	2021/442
Instrument	2021 0442

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Sep 13, 2018
Property Address	126 E WATER ST, DECORAH, IA 52101-1802
Document Number	02018/2632
Book / Page	2018 / 2632
Instrument Date	Sep 13, 2018
Instrument	000000002632
Transaction Type	Transfer
Record Updated	Oct 7, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	404 W PARK RD, IOWA CITY, IA 52246-2310

Mortgage

Document Number	0000002018/0000002719
Date	Sep 21, 2018
Book Page	0000002018/0000002719
Instrument	000000002719

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$7,666.00	$336,810 (+1.14%) Land $65,890 Building $270,920	$336,810 (+1.14%) Land $65,890 Building $270,920
2025	$7,666.00 (+8.89%)	$333,010 (+11.14%) Land $65,890 Building $267,120	$333,010 (+11.14%) Land $65,890 Building $267,120
2024	$7,040.00 (+17.26%)
2023		$299,620 (+17.38%) Land $65,890 Building $233,730	$299,620 (+17.38%) Land $65,890 Building $233,730
2022	$6,004.00	$255,250 Land $54,910 Building $200,340
2021			$255,250 Land $54,910 Building $200,340

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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