2870 Locust Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 2870 Locust Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,148 sqft · built 1996
Lot Size	9.46 acres (412,078 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,690 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`073510000600`

Property Details

APN / Parcel Number

Primary APN	`073510000600`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,148 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	412,078 sqft (9.46 acres)
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces
Deck Area	285 sqft
Shed	1 Shed
Granary	Granary

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	2870 LOCUST RD
City	DECORAH
State	IA
Zip	52101-7603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE 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

2870 Locust Rd is owned and occupied by two individuals who acquired it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2870 LOCUST RD, DECORAH, IA 52101-7603
Occupancy	Owner Occupied
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
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Apr 2, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 2, 2024
Transfer Doc	002024/681
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2870 LOCUST RD, DECORAH, IA 52101-7603
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2837
Date	Jul 28, 2020
Book Page	2020/2837
Instrument	2020 2837

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNESHIEK IA
Recording Date	Apr 2, 2024
Property Address	2870 LOCUST RD, DECORAH, IA 52101-7603
Document Number	002024/681
Book / Page	2024 / 681
Instrument Date	Apr 2, 2024
Instrument	2024 681
Transaction Type	Transfer
Record Updated	May 20, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2870 LOCUST RD, DECORAH, IA 52101-7603

Tax Assessment & Valuation

The 2026 property tax bill for 2870 Locust Rd was $4,690 with a homeowner's exemption.

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	$4,690.00	$418,720 (-) Land $85,380 Building $333,340	$418,720 (-) Land $85,380 Building $333,340
2025	$4,690.00 (+3.85%) Homeowner's exemption	$418,720 Land $85,380 Building $333,340	$418,720 Land $85,380 Building $333,340
2024	$4,516.00
2023		$376,300 (+16.17%) Land $85,380 Building $290,920	$376,300 Land $85,380 Building $290,920
2022	$4,192.00 Homeowner's exemption	$323,920 Land $71,150 Building $252,770
2021			$323,920 Land $71,150 Building $252,770

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

Flood

FEMA maps place 2870 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 2870 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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