2829 Locust Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 2829 Locust Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,669 sqft · built 2014
Lot Size	1.92 acres (84,071 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Jun 2025)
Tax Bill	$4,998 (2024)
Deeds & Mortgages	Oct 2023 Second Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`073440001900`

Property Details

APN / Parcel Number

Primary APN	`073440001900`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,669 sqft Living Area
1st Floor Area	1,606 sqft
Basement Area	1,606 sqft
Finished Basement	1,300 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	84,071 sqft (1.92 acres)
Garage Type	Attached
Garage Area	537 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	250 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2829 LOCUST RD
City	DECORAH
State	IA
Zip	52101-7603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 2-1-1 & 2-2-2-1 NE SE
Legal Lot Number	1,2
Jurisdiction	WINNESHIEK IA
Township / Civil Division	CANOE
Census Block Group	4
Census Block	4002
Census Tract	950200

Owner

Source: Winneshiek County records, as of October 20, 2025

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

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	2829 LOCUST RD, DECORAH, IA 52101-7603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALTRA FCU
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST NA
May 5, 2017	Warranty Deed, Transfer · Conventional Mortgage STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2025 · Amount on Record
Deed Sale	Jun 12, 2025 · Amount on Record
Deed Document Number	0020251442
Prior Transfer Date	May 5, 2017
Prior Transfer Doc	2017 1292
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2829 LOCUST RD, DECORAH, IA 52101-7603
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2829 LOCUST RD, DECORAH, IA 52101-7603

Mortgage

Document Number	02023/2473
Date	Oct 12, 2023
Book Page	2023/2473
Instrument	2023 2473

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 26, 2038

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2829 LOCUST RD, DECORAH, IA 52101-7603
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/4356
Date	Oct 19, 2020
Book Page	2020/4356
Instrument	2020 4356

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	May 5, 2017
Property Address	2829 LOCUST RD, DECORAH, IA 52101-7603
Document Number	02017/1292
Book / Page	2017 / 1292
Instrument Date	Sep 5, 2015
Instrument	2017 1292
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2829 LOCUST RD, DECORAH, IA 52101-7603

Mortgage

Document Number	02017/1294
Date	May 5, 2017
Book Page	2017/1294
Instrument	2017 1294

Lender

Name	STATE BANK
Type	Bank
Address	NEW HAMPTON, IA 50659

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Winneshiek County assessment roll, as of May 1, 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
2025		$463,410 (+14.39%) Land $50,260 Building $413,150	$463,410 (+14.39%) Land $50,260 Building $413,150
2024	$4,998.00 (+6.02%)
2023		$405,130 (+14.38%) Land $50,260 Building $354,870	$405,130 (+14.38%) Land $50,260 Building $354,870
2022	$4,714.00	$354,210 Land $41,880 Building $312,330
2021			$354,210 Land $41,880 Building $312,330

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
GigFire Fixed Wireless	150 / 130
Harmony Telephone Company Fixed Wireless	50 / 10
CenturyLink DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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