207 E Pearl St, Decorah, IA 52101 Property Records

Winneshiek County property record for 207 E Pearl St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 1,728 sqft · built 1969
Lot Size	0.41 acres (17,850 sqft)
Owner	2 Individual Names on File
Last Sale	$227,500 (Aug 2016)
Tax Bill	$6,154 (2026)
Deeds & Mortgages	Sep 2020 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112122900300`

Property Details

APN / Parcel Number

Primary APN	`112122900300`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Building Area	1,728 sqft Living Area
1st Floor Area	1,280 sqft
Basement Area	1,280 sqft
Finished Basement	775 sqft
Unfinished Basement	505 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Level
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,850 sqft (0.41 acres)
Lot Dimensions	150 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	207 E PEARL ST
City	DECORAH
State	IA
Zip	52101-2238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 & 2 SUBD OF L 1 TO 16 BLK 1 SOUTH DECORAH LOWES
Legal Range	08W
Legal Township	98N
Legal Section	21
Legal Subdivision	LOWES SUB
Legal Block	1
Legal Lot Number	1,2
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2021
Census Tract	950300

Owner

207 E Pearl St is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	207 E PEARL ST, DECORAH, IA 52101-2238
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
May 18, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage DECORAH BANK & TRUST CO
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2016 · Amount on File
Deed Sale	Aug 18, 2016 · Amount on File
Deed Document Number	20162570
Deed Book / Page	2016 / 2570
Prior Transfer Date	Aug 16, 2016
Prior Transfer Doc	02016/2570
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	207 E PEARL ST, DECORAH, IA 52101-2238
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3471
Date	Sep 1, 2020
Book Page	2020/3471
Instrument	2020 3471

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 18, 2030

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	207 E PEARL ST, DECORAH, IA 52101-2238
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2023
Date	May 18, 2021
Book Page	2021/2023
Instrument	2021 2023

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 17, 2022

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	207 E PEARL ST, DECORAH, IA 52101-2238
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/4054
Date	Oct 14, 2021
Book Page	2021/4054
Instrument	2021 4054

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 207 E Pearl St was $6,154 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	$6,154.00	$366,740 (-) Land $46,780 Building $319,960	$366,740 (-) Land $46,780 Building $319,960
2025	$6,154.00 (+3.81%) Homeowner's exemption	$366,740 Land $46,780 Building $319,960	$366,740 Land $46,780 Building $319,960
2024	$5,928.00
2023		$325,180 (+15.04%) Land $46,780 Building $278,400	$325,180 Land $46,780 Building $278,400
2022	$5,704.00 Homeowner's exemption	$282,670 Land $38,980 Building $243,690
2021			$282,670 Land $38,980 Building $243,690

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

Flood

FEMA maps place 207 E Pearl 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 207 E Pearl 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	Direct burnable vegetation

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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Nextlink Fixed Wireless	100 / 20

May also be available: GigFire.

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