Winneshiek County property record for 1620 Main St, Ridgeway, IA 52165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,731 sqft · built 1980 |
| Lot Size | 0.517 acres (22,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,294 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092322600200 |
| Primary APN | 092322600200 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,731 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,571 sqft |
| Finished Basement | 400 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,500 sqft (0.517 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,224 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Deck Area | 127 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Water Source | Commercial |
| Street Address | 1620 MAIN ST |
|---|---|
| City | RIDGEWAY |
| State | IA |
| Zip | 52165-9791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 2-3-40, L 2-1-1-1- 40, L 2-39, L 2-1-39 L 2-40, L 2-1-40, NE NE |
| Legal Range | 10W |
| Legal Township | 98N |
| Legal Section | 23 |
| Jurisdiction | WINNESHIEK IA |
| Township / Civil Division | LINCOLN |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 950100 |
1620 Main St is owned and occupied by two individuals.
Source: Winneshiek County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1620 MAIN ST, RIDGEWAY, IA 52165-9791 |
| 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.
| Date | Document |
|---|---|
| Aug 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO |
| Apr 10, 2018 | Deed of Trust, Mortgage DECORAH BANK & TRUST COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 1620 MAIN ST, RIDGEWAY, IA 52165-9791 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/3106 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 2020/3106 |
| Instrument | 2020 3106 |
| Name | DECORAH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2040 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 1620 MAIN ST, RIDGEWAY, IA 52165-9791 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000000967 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | 0000002018/0000000967 |
| Instrument | 000000000967 |
| Name | DECORAH BANK & TRUST COMPANY |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 117 Months |
| Due | Jan 1, 2028 |
The 2026 property tax bill for 1620 Main St was $4,294 with a homeowner's exemption.
Source: Winneshiek County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Winneshiek County |
| Municipality | Ridgeway City |
| Unified School District | Howard-Winneshiek Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,294.00 | $282,550 (-) Land $19,890 Building $262,660 | $282,550 (-) Land $19,890 Building $262,660 |
| 2025 | $4,294.00 (+6.82%) Homeowner's exemption | $282,550 Land $19,890 Building $262,660 | $282,550 Land $19,890 Building $262,660 |
| 2024 | $4,020.00 | ||
| 2023 | $249,480 (+15.44%) Land $19,890 Building $229,590 | $249,480 Land $19,890 Building $229,590 | |
| 2022 | $3,688.00 Homeowner's exemption | $216,110 Land $16,580 Building $199,530 | |
| 2021 | $216,110 Land $16,580 Building $199,530 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1620 Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1620 Main St is low, with less than 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 98% of the US · lower than 82% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF RIDGEWAY serves 275 people · EPA ID IA9680085 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 5 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 500 / 100 |
| Mabel Cooperative Telephone Company Fiber | 200 / 40 |
| GigFire Fixed Wireless | 150 / 130 |
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