2849 Locust Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 2849 Locust Rd, Decorah, IA 52101

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 1,448 sqft · built 2019
Lot Size	2.67 acres (116,305 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Nov 2019)
Tax Bill	$4,644 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`073530001100`

Property Details

APN / Parcel Number

Primary APN	`073530001100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,448 sqft Living Area
1st Floor Area	1,361 sqft
Basement Area	1,361 sqft
Finished Basement	1,100 sqft
Unfinished Basement	261 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	116,305 sqft (2.67 acres)
Garage Type	Attached
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	93 sqft
Deck Area	344 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2849 LOCUST RD
City	DECORAH
State	IA
Zip	52101-7603
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	NW SW LYING N & W OF RD EXC LOT 1 NW SW
Legal Range	08W
Legal Township	99N
Legal Section	35
Legal Lot Number	1
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, 2026

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
Mailing Address	2849 LOCUST RD, DECORAH, IA 52101-7603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage LUANNA SAVINGS BANK
Nov 14, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage LUANA SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2019 · Amount on Record
Deed Sale	Nov 14, 2019 · Amount on Record
Deed Document Number	20193337
Deed Book / Page	2019 / 3337
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2849 LOCUST RD, DECORAH, IA 52101-7603
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/5451
Date	Dec 29, 2020
Book Page	2020/5451
Instrument	2020 5451

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Nov 14, 2019
Property Address	2849 LOCUST RD, DECORAH, IA 52101-7603
Document Number	02019/3337
Book / Page	2019 / 3337
Instrument Date	Nov 7, 2019
Instrument	3337
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2837 LOCUST RD, DECORAH, IA 52101-7603

Mortgage

Document Number	02019/3338
Date	Nov 14, 2019
Book Page	2019/3338
Instrument	3338

Lender

Name	LUANA SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,644.00	$411,420 (-) Land $5,540 Building $405,880	$411,420 (-) Land $5,540 Building $405,880
2025	$4,644.00 (+8.71%) Homeowner's exemption	$411,420 (-0.8%) Land $5,540 Building $405,880	$411,420 (-0.8%) Land $5,540 Building $405,880
2024	$4,272.00 (-9.22%)
2023		$414,740 (+14.4%) Land $52,010 Building $362,730	$414,740 (+14.4%) Land $52,010 Building $362,730
2022	$4,706.00 Homeowner's exemption	$362,550 Land $43,340 Building $319,210
2021			$362,550 Land $43,340 Building $319,210

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 80% of the US · above 49% of Iowa
Wildfire Likelihood	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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Harmony Telephone Company Fixed Wireless	50 / 10
CenturyLink DSL	10 / 1

May also be available: Nextlink.

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