222 E Water St, Decorah, IA 52101 Property Records

Winneshiek County property record for 222 E Water St, Decorah, IA 52101

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,664 sqft · built 1900
Lot Size	0.058 acres (2,508 sqft)
Owner	Company Name on File
Last Sale	$200,000 (Nov 2020)
Tax Bill	$4,000 (2026)
Deeds & Mortgages	May 2020 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`111642801700`

Property Details

APN / Parcel Number

Primary APN	`111642801700`

Interior

Stories	2 Stories
Building Area	2,664 sqft Gross Area
1st Floor Area	1,122 sqft
Basement Area	1,122 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Roof Material	Urethane Foam
Lot Area	2,508 sqft (0.058 acres)
Lot Dimensions	114 ft deep x 22 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	222 E WATER ST
City	DECORAH
State	IA
Zip	52101-1804
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	L 4 SUBD OF L 2 BLK L 4 SUBD OF L 2 BLK 1 ORIG DECORAH 1 ORIG DECORAH
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Subdivision	CITY DECORAH
Legal Block	1,L
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1053
Census Tract	950200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Decorah Commercial Historic District listed 2017 · 86 contributing resources · NRIS 100001482

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

222 E Water St, a commercial property, is owned by a company that bought it in November 2020.

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

Owner of Record	Company Name on File
Mailing Address	222 E WATER ST, DECORAH, IA 52101-1804
Owner Type	Company
Vesting	Company

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
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Nov 16, 2020	Warranty Deed, Transfer · Commercial Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Prior Sale	Aug 3, 2015 · Amount on File
Deed Document Number	20204834
Deed Book / Page	2020 / 4834
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	222 E WATER ST, DECORAH, IA 52101-1804
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1735
Date	May 26, 2020
Book Page	2020/1735
Instrument	2020 1735

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2050

Interest

Rate Type	Adjustable Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Nov 16, 2020
Property Address	222 E WATER ST, DECORAH, IA 52101-1804
Document Number	02020/4834
Book / Page	2020 / 4834
Instrument Date	Nov 13, 2020
Instrument	2020 4834
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 E WATER ST, DECORAH, IA 52101-1804

Mortgage

Document Number	0020204835
Date	Nov 16, 2020
Instrument	2020 4835

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 16, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 222 E Water St was $4,000.

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	$4,000.00	$228,740 (-) Land $32,950 Building $195,790	$228,740 (-) Land $32,950 Building $195,790
2025	$4,000.00 (+2.77%)	$228,740 Land $32,950 Building $195,790	$228,740 Land $32,950 Building $195,790
2024	$3,892.00
2023		$204,270 (+21.42%) Land $32,950 Building $171,320	$204,270 Land $32,950 Building $171,320
2022	$3,560.00	$168,230 Land $27,460 Building $140,770
2021			$168,230 Land $27,460 Building $140,770

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

Flood

FEMA maps place 222 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	4 (2016)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Aug 2016 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Aug 2016 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 222 E Water St 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.

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 517 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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