2820 Bluffton Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 2820 Bluffton Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,002 sqft · built 2001
Lot Size	4.25 acres (185,130 sqft)
Owner	Individual Name on Record
Last Sale	$127,500 (May 2022)
Tax Bill	$5,308 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`073130001000`

Property Details

APN / Parcel Number

Primary APN	`073130001000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,002 sqft Living Area
Basement Area	2,002 sqft
Finished Basement	1,300 sqft
Unfinished Basement	702 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	185,130 sqft (4.25 acres)
Garage Type	Mixed
Garage Area	2,164 sqft
Parking Spaces	8 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2820 BLUFFTON RD
City	DECORAH
State	IA
Zip	52101-7802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1-2 SE SW
Legal Range	08W
Legal Township	99N
Legal Section	31
Legal Subdivision	WHEELERS ADD
Legal Lot Number	1,2
Jurisdiction	WINNESHIEK IA
Township / Civil Division	CANOE
Census Block Group	2
Census Block	2080
Census Tract	950100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2820 BLUFFTON RD, DECORAH, IA 52101-7802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage KERNDT BROTHERS SAVINGS BANK
Apr 20, 2018	Deed of Trust, Mortgage KERDNT BROTHERS BANK
Mar 5, 2018	Deed of Trust, Mortgage · Line of Credit MARINE CU
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage KERNDT BROTHERS SAVINGS BANK
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage KERNDT BROTHERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2022 · Amount on Record
Deed Sale	May 13, 2022 · Amount on Record
Deed Document Number	20221494
Deed Book / Page	2022 / 1494
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2820 BLUFFTON RD, DECORAH, IA 52101-7802
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/4348
Date	Nov 4, 2021
Book Page	2021/4348
Instrument	2021 4348

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2031

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2820 BLUFFTON RD, DECORAH, IA 52101-7802
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001088
Date	Apr 20, 2018
Book Page	0000002018/0000001088
Instrument	000000001088

Lender

Name	KERDNT BROTHERS BANK

Agreement

Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2820 BLUFFTON RD, DECORAH, IA 52101-7802
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000592
Date	Mar 5, 2018
Book Page	0000002018/0000000592
Instrument	000000000592

Lender

Name	MARINE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Jan 1, 2043

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2820 BLUFFTON RD, DECORAH, IA 52101-7802
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/873
Date	Mar 26, 2020
Book Page	2020/873
Instrument	2020 0873

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2820 BLUFFTON RD, DECORAH, IA 52101-7802
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/870
Date	Mar 25, 2020
Book Page	2020/870
Instrument	2020 0870

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 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
Unified School District	Decorah Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,308.00	$472,550 (-) Land $69,750 Building $402,800	$472,550 (-) Land $69,750 Building $402,800
2025	$5,308.00 (+5.32%) Homeowner's exemption	$472,550 (+12.85%) Land $69,750 Building $402,800	$472,550 (+12.85%) Land $69,750 Building $402,800
2024	$5,040.00 (+7.37%)
2023		$418,750 (+15.82%) Land $69,750 Building $349,000	$418,750 (+15.82%) Land $69,750 Building $349,000
2022	$4,694.00 Homeowner's exemption	$361,540 Land $58,130 Building $303,410
2021			$361,540 Land $58,130 Building $303,410

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 · 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	2 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

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	0.03% 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)
Starlink Satellite	280 / 30
Harmony Telephone Company Fixed Wireless	50 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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