Winneshiek County property record for 2646 River Rd, Decorah, IA 52101
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,236 sqft · built 2006 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,464 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 120722800300 |
| Primary APN | 120722800300 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 2,236 sqft Living Area |
| Basement Area | 2,236 sqft |
| Finished Basement | 1,500 sqft |
| Unfinished Basement | 736 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 1,042 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 396 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2646 RIVER RD |
|---|---|
| City | DECORAH |
| State | IA |
| Zip | 52101-7322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 OF 1 NE NE & LOT 2 OF 2 SE NE |
| Legal Range | 07W |
| Legal Township | 98N |
| Legal Section | 07 |
| Legal Lot Number | 2 |
| Jurisdiction | WINNESHIEK IA |
| Township / Civil Division | GLENWOOD |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 950400 |
2646 River Rd is owned and occupied by two individuals who acquired it in February 2026.
Source: Winneshiek County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2646 RIVER RD, DECORAH, IA 52101-7322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 12, 2026 |
| Transfer Doc | 0000000324 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 2646 RIVER RD, DECORAH, IA 52101-7322 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/1995 |
|---|---|
| Date | Jun 24, 2022 |
| Book Page | 2022/1995 |
| Instrument | 2022 1995 |
| Name | NORTHEAST SECURITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 13, 2052 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 2646 River Rd was $5,464 with a homeowner's exemption.
Source: Winneshiek County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Winneshiek County |
| Unified School District | Decorah Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,464.00 | $488,430 (-) Land $48,000 Building $440,430 | $488,430 (-) Land $48,000 Building $440,430 |
| 2025 | $5,464.00 (+6.97%) Homeowner's exemption | $488,430 Land $48,000 Building $440,430 | $488,430 Land $48,000 Building $440,430 |
| 2024 | $5,108.00 | ||
| 2023 | $425,160 (+14.24%) Land $48,000 Building $377,160 | $425,160 Land $48,000 Building $377,160 | |
| 2022 | $4,820.00 Homeowner's exemption | $372,150 Land $40,000 Building $332,150 | |
| 2021 | $372,150 Land $40,000 Building $332,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2646 River Rd 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
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 risk around 2646 River Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harmony Telephone Company Fiber | 1,000 / 1,000 |
4G LTE only, no 5G reported
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