1305 Michael Dr, Decorah, IA 52101 Property Records

Winneshiek County property record for 1305 Michael Dr, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 1,745 sqft · built 2018
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Jun 2024)
Tax Bill	$7,924 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110923801800`

Property Details

APN / Parcel Number

Primary APN	`110923801800`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,745 sqft Living Area
Basement Area	1,745 sqft
Finished Basement	1,200 sqft
Unfinished Basement	545 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1305 MICHAEL DR
City	DECORAH
State	IA
Zip	52101-9601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2-3 BLK 1 NORTH HOME 7TH ADDN CITY OF DECORAH
Legal Range	08W
Legal Township	98N
Legal Section	09
Legal Subdivision	NORTH HOME 7TH ADD
Legal Block	1
Legal Lot Number	2,3
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	1305 MICHAEL DR, DECORAH, IA 52101-9601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2018	Deed of Trust, Mortgage DECORAH BANK & TRUST COMPANY
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jun 26, 2018	Warranty Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2024 · Amount on Record
Deed Sale	Jun 14, 2024 · Amount on Record
Prior Sale	Jun 26, 2018 · Amount on Record
Deed Document Number	20241305
Deed Book / Page	2024 / 1305
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1305 MICHAEL DR, DECORAH, IA 52101-9601
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001818
Date	Jun 26, 2018
Book Page	0000002018/0000001818
Instrument	000000001818

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Amount	Amount Recorded
Term	235 Months
Due	Jan 1, 2038

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1305 MICHAEL DR, DECORAH, IA 52101-9601
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1939
Date	Jun 4, 2020
Book Page	2020/1939
Instrument	2020 1939

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jun 26, 2018
Property Address	1305 MICHAEL DR, DECORAH, IA 52101-9601
Document Number	02018/1817
Book / Page	2018 / 1817
Instrument Date	Jun 22, 2018
Instrument	000000001817
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2022

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	1305 MICHAEL DR, DECORAH, IA 52101-9601

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	$7,924.00	$483,720 (-) Land $47,700 Building $436,020	$483,720 (-) Land $47,700 Building $436,020
2025	$7,924.00 (+5.71%) Homeowner's exemption	$483,720 (+264.19%) Land $47,700 Building $436,020	$483,720 (+14.59%) Land $47,700 Building $436,020
2024	$7,496.00 (+406.49%)
2023		$132,820 (+66.23%) Land $47,700 Building $85,120	$422,130 (+14.33%)
2022	$1,480.00 Homeowner's exemption	$79,900 Land $39,750 Building $40,150
2021			$369,210

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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