1706 Division St, Decorah, IA 52101 Property Records

Winneshiek County property record for 1706 Division St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 1,914 sqft · built 1997
Lot Size	2.37 acres (103,237 sqft)
Owner	2 Individual Names on File
Last Sale	$679,000 (May 2025)
Tax Bill	$400 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2016 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`112145303200`

Property Details

APN / Parcel Number

Primary APN	`112145303200`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,914 sqft Living Area
Basement Area	1,914 sqft
Finished Basement	1,000 sqft
Unfinished Basement	914 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	103,237 sqft (2.37 acres)
Garage Type	Attached
Garage Area	918 sqft
Parking Spaces	4 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1706 DIVISION ST
City	DECORAH
State	IA
Zip	52101-2551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B SW SE
Legal Range	08W
Legal Township	98N
Legal Section	21
Legal Lot Number	B
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1007
Census Tract	950300

Owner

1706 Division St is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1003 NORDIC DR, DECORAH, IA 52101-1080
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHEAST SECURITY BANK
Aug 29, 2016	Deed of Trust, Mortgage · Conventional Mortgage NORTHEAST SECURITY BANK
May 20, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Oct 9, 2013	Warranty Deed, Transfer · Conventional Mortgage NORTHEAST SECURITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2025 · Amount on File
Deed Sale	May 20, 2025 · Amount on File
Prior Sale	Oct 9, 2013 · Amount on File
Deed Document Number	20251253
Deed Book / Page	2025 / 1253
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1706 DIVISION ST, DECORAH, IA 52101-2551
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/5000
Date	Dec 29, 2021
Book Page	2021/5000
Instrument	2021 5000

Lender

Name	NORTHEAST SECURITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2051

Interest

Rate Type	Fixed Rate

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1706 DIVISION ST, DECORAH, IA 52101-2551
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02016/2713
Date	Aug 29, 2016
Book Page	2016/2713
Instrument	2016 2713

Lender

Name	NORTHEAST SECURITY BANK
Address	SUMNER, IA 50674

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2031

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	May 20, 2025
Property Address	1706 DIVISION ST, DECORAH, IA 52101-2551
Document Number	02025/1253
Book / Page	2025 / 1253
Instrument Date	May 5, 2025
Instrument	2025 1253
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.60
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	1003 NORDIC DR, DECORAH, IA 52101-1080

Mortgage

Document Number	0020251255
Date	May 20, 2025
Instrument	2025 1255

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

October 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 9, 2013
Property Address	1706 DIVISION ST, DECORAH, IA 52101-2551
Document Number	2013/3470
Book / Page	2013 / 3470
Instrument Date	Oct 7, 2013
Instrument	2013 3470
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$496.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1706 DIVISION ST, DECORAH, IA 52101-2551

Mortgage

Document Number	02013/3473
Date	Oct 9, 2013
Book Page	2013/3473
Instrument	2013 3473

Lender

Name	NORTHEAST SECURITY BANK
Address	SUMNER, IA 50674

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 1706 Division St was $400 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	$400.00	$531,890 (-) Land $77,000 Building $454,890	$531,890 (-) Land $77,000 Building $454,890
2025	$400.00 (-95.34%) Homeowner's exemption	$531,890 Land $77,000 Building $454,890	$531,890 Land $77,000 Building $454,890
2024	$8,590.00
2023		$466,550 (+15.64%) Land $77,000 Building $389,550	$466,550 Land $77,000 Building $389,550
2022	$8,222.00 Homeowner's exemption	$403,450 Land $64,170 Building $339,280
2021			$403,450 Land $64,170 Building $339,280

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

Flood

FEMA maps place 1706 Division 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

Wildfire risk around 1706 Division 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 97% of the US · lower than 76% 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100

May also be available: GigFire.

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