2875 River Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 2875 River Rd, Decorah, IA 52101

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,792 sqft · built 1915
Lot Size	5.31 acres (231,304 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,774 (2026)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083420000700`

Property Details

APN / Parcel Number

Primary APN	`083420000700`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	231,304 sqft (5.31 acres)
Garage Type	Attached
Garage Area	742 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	105 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2875 RIVER RD
City	DECORAH
State	IA
Zip	52101-7619
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	L 2 OF 2 NE NE
Legal Range	07W
Legal Township	99N
Legal Section	34
Jurisdiction	WINNESHIEK IA
Township / Civil Division	PLEASANT
Census Block Group	2
Census Block	2028
Census Tract	950400

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	2875 RIVER RD, DECORAH, IA 52101-7619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 1, 2022
Transfer Doc	0000002817
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2875 RIVER RD, DECORAH, IA 52101-7619
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/3101
Date	Oct 23, 2017
Book Page	2017/3101
Instrument	2017 3101

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	ARM
Amount	Amount Recorded
Term	120 Months
Due	Oct 20, 2027

Interest

Rate Type	Adjustable Rate
Rate	4.95%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 20, 2022
Change Frequency	5 Years
Min Rate At Change	4.95%
Max Rate At Change	6.95%
Index	5-Year CMT
Margin	3
Max Rate	6.95%

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	$1,774.00	$161,380 (-) Land $6,220 Building $155,160	$161,380 (-) Land $6,220 Building $155,160
2025	$1,774.00 (+8.97%) Homeowner's exemption	$161,380 (+18.06%) Land $6,220 Building $155,160	$161,380 (+18.06%) Land $6,220 Building $155,160
2024	$1,628.00 (+5.44%)
2023		$136,690 (+14.93%) Land $4,600 Building $132,090	$136,690 (+14.93%) Land $4,600 Building $132,090
2022	$1,544.00 Homeowner's exemption Additional exemption filed	$118,930 Land $3,670 Building $115,260
2021			$118,930 Land $3,670 Building $115,260

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	4 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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)
Harmony Telephone Company Fiber	1,000 / 1,000
Nextlink Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on River Rd

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