2862 Locust Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 2862 Locust Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,102 sqft · built 1963
Lot Size	3.68 acres (160,301 sqft)
Owner	2 Individual Names on File
Last Sale	$189,500 (Feb 2019)
Tax Bill	$3,280 (2026)
Deeds & Mortgages	Feb 2019 Refinance Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`073510000500`

Property Details

APN / Parcel Number

Primary APN	`073510000500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,102 sqft Living Area
1st Floor Area	816 sqft
Attic	Attic
Attic Area	286 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	160,301 sqft (3.68 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Quonset Hut	Quonset Hut

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2862 LOCUST RD
City	DECORAH
State	IA
Zip	52101-7603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 1 NW SE NW
Legal Range	08W
Legal Township	99N
Legal Section	35
Jurisdiction	WINNESHIEK IA
Township / Civil Division	CANOE
Census Block Group	4
Census Block	4003
Census Tract	950200

Owner

2862 Locust Rd is owned by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	806 RIDGE RD, DECORAH, IA 52101-1122
Owner Type	Individual

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
Feb 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VIKING STATE BANK & TRUST
Feb 5, 2019	Executor's Deed, Transfer · Stand-Alone First Mortgage VIKING STATE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2019 · Amount on File
Deed Sale	Feb 5, 2019 · Amount on File
Deed Document Number	2019271
Deed Book / Page	2019 / 271
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2862 LOCUST RD, DECORAH, IA 52101-7603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/272
Date	Feb 5, 2019
Book Page	2019/272
Instrument	272

Lender

Name	VIKING STATE BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

February 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Feb 5, 2019
Property Address	2862 LOCUST RD, DECORAH, IA 52101-7603
Document Number	2019/271
Book / Page	2019 / 271
Instrument Date	Jan 29, 2019
Instrument	271
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
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	2862 LOCUST RD, DECORAH, IA 52101-7603

Mortgage

Document Number	002019/272
Date	Feb 5, 2019
Book Page	2019/272
Instrument	272

Lender

Name	VIKING STATE BANK & TRUST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 2862 Locust Rd was $3,280.

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	$3,280.00	$285,280 (-) Land $54,430 Building $230,850	$285,280 (-) Land $54,430 Building $230,850
2025	$3,280.00 (+4.26%)	$285,280 Land $54,430 Building $230,850	$285,280 Land $54,430 Building $230,850
2024	$3,146.00
2023		$255,020 (+14.78%) Land $54,430 Building $200,590	$255,020 Land $54,430 Building $200,590
2022	$2,956.00	$222,180 Land $45,360 Building $176,820
2021			$222,180 Land $45,360 Building $176,820

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

Flood

FEMA maps place 2862 Locust Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2016.

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

Wildfire risk around 2862 Locust Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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 7 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

May also be available: CenturyLink.

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