210 E Pearl St, Decorah, IA 52101 Property Records

Winneshiek County property record for 210 E Pearl St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,352 sqft · built 1920
Lot Size	0.144 acres (6,270 sqft)
Owner	2 Individual Names on Record
Last Sale	$242,500 (Jul 2022)
Tax Bill	$3,506 (2026)
Deeds & Mortgages	Apr 2012 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`111648202000`

Property Details

APN / Parcel Number

Primary APN	`111648202000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,352 sqft Living Area
1st Floor Area	676 sqft
Basement Area	676 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,270 sqft (0.144 acres)
Lot Dimensions	114 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	210 E PEARL ST
City	DECORAH
State	IA
Zip	52101-2239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 55' OF LOTS 26 & 27 WINSHIP & KINYON
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Subdivision	WINSHIP & KINONS ADD
Legal Lot Number	26,27
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2020
Census Tract	950300

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	2 Individual Names on Record
Mailing Address	210 E PEARL ST, DECORAH, IA 52101-2239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2012	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jul 6, 2022	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO
Jul 7, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Jul 7, 2020 · Amount on Record
Deed Document Number	20222136
Deed Book / Page	2022 / 2136
Record Updated	Oct 29, 2026

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	210 E PEARL ST, DECORAH, IA 52101-2239
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/1508
Date	Apr 20, 2012
Book Page	2012/1508
Instrument	2012 1508

Lender

Name	DECORAH BANK & TRUST CO
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2042

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jul 6, 2022
Property Address	210 E PEARL ST, DECORAH, IA 52101-2239
Document Number	02022/2136
Book / Page	2022 / 2136
Instrument Date	Jun 27, 2022
Instrument	2022 2136
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$387.20
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	210 E PEARL ST, DECORAH, IA 52101-2239

Mortgage

Document Number	0020222137
Date	Jul 6, 2022
Instrument	2022 2137

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	5.13%
Max Rate At Change	7.13%
Index	1-Year CMT
Margin	3

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jul 7, 2020
Property Address	210 E PEARL ST, DECORAH, IA 52101-2239
Document Number	02020/2492
Book / Page	2020 / 2492
Instrument Date	Jun 30, 2020
Instrument	2020 2492
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$283.20
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	210 E PEARL ST, DECORAH, IA 52101-2239

Mortgage

Document Number	0020202493
Date	Jul 7, 2020
Instrument	2020 2493

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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
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	$3,506.00	$213,620 (-) Land $22,180 Building $191,440	$213,620 (-) Land $22,180 Building $191,440
2025	$3,506.00 (+6.37%) Homeowner's exemption	$213,620 (+15.28%) Land $22,180 Building $191,440	$213,620 (+15.28%) Land $22,180 Building $191,440
2024	$3,296.00 (+4.63%)
2023		$185,300 (+15.78%) Land $22,180 Building $163,120	$185,300 (+15.78%) Land $22,180 Building $163,120
2022	$3,150.00 Homeowner's exemption	$160,040 Land $18,480 Building $141,560
2021			$160,040 Land $18,480 Building $141,560

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 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.

Nearby Properties on E Pearl St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures