1909 Centennial Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 1909 Centennial Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,404 sqft · built 1973
Lot Size	6.1 acres (265,716 sqft)
Owner	Individual Name on Record
Tax Bill	$2,686 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`161830000700`

Property Details

APN / Parcel Number

Primary APN	`161830000700`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Basement Area	1,404 sqft
Finished Basement	675 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood Shingle
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	265,716 sqft (6.1 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1909 CENTENNIAL RD
City	DECORAH
State	IA
Zip	52101-7565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 SE SW
Legal Range	07W
Legal Township	97N
Legal Section	18
Legal Lot Number	1
Jurisdiction	WINNESHIEK IA
Township / Civil Division	FRANKVILLE
Census Block Group	4
Census Block	4047
Census Tract	950400

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	Individual Name on Record
Mailing Address	1909 CENTENNIAL RD, DECORAH, IA 52101-7565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 2, 2021	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1909 CENTENNIAL RD, DECORAH, IA 52101-7565
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 CENTENNIAL RD, DECORAH, IA 52101-7565

Mortgage

Document Number	002026/150
Date	Jan 20, 2026
Book Page	2026/150
Instrument	2026 150

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 12, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1909 CENTENNIAL RD, DECORAH, IA 52101-7565
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/3068
Date	Aug 2, 2021
Book Page	2021/3068
Instrument	2021 3068

Lender

Name	EMBRACE HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,686.00	$239,350 (-) Land $60,240 Building $179,110	$239,350 (-) Land $60,240 Building $179,110
2025	$2,686.00 (+2.44%) Homeowner's exemption	$239,350 (+9.73%) Land $60,240 Building $179,110	$239,350 (+9.73%) Land $60,240 Building $179,110
2024	$2,622.00 (+7.55%)
2023		$218,120 (+15.16%) Land $60,240 Building $157,880	$218,120 (+15.16%) Land $60,240 Building $157,880
2022	$2,438.00 Homeowner's exemption	$189,400 Land $50,200 Building $139,200
2021			$189,400 Land $50,200 Building $139,200

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

Flood

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

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)
Harmony Telephone Company Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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