1861 Centennial Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 1861 Centennial Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,652 sqft · built 1936
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Tax Bill	$3,206 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2013 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`161920000200`

Property Details

APN / Parcel Number

Primary APN	`161920000200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,652 sqft Living Area
1st Floor Area	588 sqft
Basement Area	1,036 sqft
Unfinished Basement	1,036 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Garage Area	1,792 sqft
Parking Spaces	7 Parking Spaces
Deck Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1861 CENTENNIAL RD
City	DECORAH
State	IA
Zip	52101-7560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 & STRIP 1 RD N & W SIDE NW NE
Legal Range	07W
Legal Township	97N
Legal Section	19
Legal Subdivision	ORIGINAL DECORAH
Legal Lot Number	3
Jurisdiction	WINNESHIEK IA
Township / Civil Division	FRANKVILLE
Census Block Group	4
Census Block	4047
Census Tract	950400

Owner

1861 Centennial Rd is owned and occupied by an individual who acquired it in November 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1861 CENTENNIAL RD, DECORAH, IA 52101-7560
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Apr 3, 2013	Deed of Trust, Mortgage · Conventional Mortgage LUANA SAVINGS BANK
Jan 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage DECORAH BANK & TRUST CO
Nov 20, 2024	Intrafamily Transfer, Transfer
Jan 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage DECORAH BANK & TRUST CO
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 19, 2024
Transfer Doc	02024/2541
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1861 CENTENNIAL RD, DECORAH, IA 52101-7560
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/4880
Date	Nov 19, 2020
Book Page	2020/4880
Instrument	2020 4880

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1861 CENTENNIAL RD, DECORAH, IA 52101-7560
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/1187
Date	Apr 3, 2013
Book Page	2013/1187
Instrument	2013 1187

Lender

Name	LUANA SAVINGS BANK
Type	Bank
Address	LUANA, IA 52156

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2043

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1861 CENTENNIAL RD, DECORAH, IA 52101-7560
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/303
Date	Jan 21, 2021
Book Page	2021/303
Instrument	2021 0303

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 18, 2031

Interest

Rate Type	Fixed Rate

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNESHIEK IA
Recording Date	Nov 20, 2024
Property Address	1861 CENTENNIAL RD, DECORAH, IA 52101-7560
Document Number	02024/2541
Book / Page	2024 / 2541
Instrument Date	Nov 19, 2024
Instrument	2024 2541
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1861 CENTENNIAL RD, DECORAH, IA 52101-7560

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1861 CENTENNIAL RD, DECORAH, IA 52101-7560
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/303
Date	Jan 21, 2021
Book Page	2021/303
Instrument	2021 0303

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 18, 2031

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1861 CENTENNIAL RD, DECORAH, IA 52101-7560
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/4880
Date	Nov 19, 2020
Book Page	2020/4880
Instrument	2020 4880

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1861 Centennial Rd was $3,206 with a homeowner's exemption.

Source: Winneshiek County assessment roll, as of October 21, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Winneshiek County
Unified School District	Decorah Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,206.00	$283,600 (-) Land $27,660 Building $255,940	$283,600 (-) Land $27,660 Building $255,940
2025	$3,206.00 (+6.87%) Homeowner's exemption	$283,600 Land $27,660 Building $255,940	$283,600 Land $27,660 Building $255,940
2024	$3,000.00
2023		$248,200 (+13.64%) Land $27,660 Building $220,540	$248,200 Land $27,660 Building $220,540
2022	$2,830.00 Homeowner's exemption	$218,410 Land $23,050 Building $195,360
2021			$218,410 Land $23,050 Building $195,360

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

Flood

FEMA maps place 1861 Centennial Rd 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

The area around 1861 Centennial Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Acentek Fiber	1,000 / 1,000
Harmony Telephone Company Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100

May also be available: GigFire.

Cell Coverage

5G (outdoors only) and 4G LTE

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