1402 Locust Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 1402 Locust Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,232 sqft · built 2004
Lot Size	0.355 acres (15,450 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (May 2022)
Tax Bill	$5,432 (2026)
Deeds & Mortgages	May 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110447701100`

Property Details

APN / Parcel Number

Primary APN	`110447701100`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Basement Area	1,232 sqft
Finished Basement	800 sqft
Unfinished Basement	432 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,450 sqft (0.355 acres)
Lot Dimensions	150 ft deep x 103 ft wide
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Deck Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1402 LOCUST RD
City	DECORAH
State	IA
Zip	52101-9669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK 2 NORTH HOME 1ST SUBD
Legal Range	08W
Legal Township	98N
Legal Section	04
Legal Subdivision	NORTH HOME 1ST SUB
Legal Block	2
Legal Lot Number	8
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	4
Census Block	4030
Census Tract	950200

Owner

1402 Locust Rd is owned and occupied by an individual who acquired it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1402 LOCUST RD, DECORAH, IA 52101-9669
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jul 13, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2022 · Amount on File
Deed Sale	May 17, 2022 · Amount on File
Prior Sale	Oct 21, 2013 · Amount on File
Deed Document Number	20221532
Deed Book / Page	2022 / 1532
Last Transfer Date	Jun 28, 2023
Transfer Doc	02023/1742
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1402 LOCUST RD, DECORAH, IA 52101-9669
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02022/1533
Date	May 17, 2022
Book Page	2022/1533
Instrument	2022 1533

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1402 LOCUST RD, DECORAH, IA 52101-9669
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1125
Date	Mar 16, 2021
Book Page	2021/1125
Instrument	2021 1125

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jul 13, 2023
Property Address	1402 LOCUST RD, DECORAH, IA 52101-9669
Document Number	02023/1742
Book / Page	2023 / 1742
Instrument Date	Jun 28, 2023
Instrument	2023 1742
Transaction Type	Transfer
Record Updated	Sep 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1402 LOCUST RD, DECORAH, IA 52101-9669

Tax Assessment & Valuation

The 2026 property tax bill for 1402 Locust Rd was $5,432 with a homeowner's exemption.

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	$5,432.00	$324,950 (-) Land $41,780 Building $283,170	$324,950 (-) Land $41,780 Building $283,170
2025	$5,432.00 (+4.82%) Homeowner's exemption	$324,950 Land $41,780 Building $283,170	$324,950 Land $41,780 Building $283,170
2024	$5,182.00
2023		$285,490 (+12.54%) Land $41,780 Building $243,710	$285,490 Land $41,780 Building $243,710
2022	$5,100.00 Homeowner's exemption	$253,680 Land $34,810 Building $218,870
2021			$253,680 Land $34,810 Building $218,870

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1402 Locust Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2016.

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

Wildfire risk around 1402 Locust Rd is low, with a 0.01% annual chance of 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	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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