1951 Centennial Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 1951 Centennial Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,400 sqft · built 2009
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$4,382 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161810000600`

Property Details

APN / Parcel Number

Primary APN	`161810000600`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Deck Area	364 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	1951 CENTENNIAL RD
City	DECORAH
State	IA
Zip	52101-7565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 SE NW
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1951 CENTENNIAL RD, DECORAH, IA 52101-7565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Aug 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DECORAH BANK & TRUST COMPANY
Mar 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DECORAH BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1951 CENTENNIAL RD, DECORAH, IA 52101-7565
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/4522
Date	Oct 28, 2020
Book Page	2020/4522
Instrument	2020 4522

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1951 CENTENNIAL RD, DECORAH, IA 52101-7565
Transaction Type	Mortgage
Record Updated	Sep 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2389
Date	Aug 27, 2019
Book Page	2019/2389
Instrument	2389

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2039

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1951 CENTENNIAL RD, DECORAH, IA 52101-7565
Transaction Type	Mortgage
Record Updated	Apr 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/607
Date	Mar 20, 2019
Book Page	2019/607
Instrument	607

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2029

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	$4,382.00	$383,550 (-) Land $50,400 Building $333,150	$383,550 (-) Land $50,400 Building $333,150
2025	$4,382.00 (+5.39%) Homeowner's exemption	$383,550 (+12.81%) Land $50,400 Building $333,150	$383,550 (+12.81%) Land $50,400 Building $333,150
2024	$4,158.00 (+10.23%)
2023		$339,990 (+17.99%) Land $50,400 Building $289,590	$339,990 (+17.99%) Land $50,400 Building $289,590
2022	$3,772.00 Homeowner's exemption	$288,160 Land $42,000 Building $246,160
2021			$288,160 Land $42,000 Building $246,160

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	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 and 4G LTE (outdoors only)

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