Winneshiek County property record for 2976 Locust Rd, Decorah, IA 52101
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 1,525 sqft · built 2005 |
| Lot Size | 15.1 acres (661,676 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,820 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 072620001200 |
| Primary APN | 072620001200 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,525 sqft Living Area |
| Basement Area | 1,525 sqft |
| Unfinished Basement | 1,525 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 661,676 sqft (15.1 acres) |
| Garage Type | Attached |
| Garage Area | 1,058 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 49 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2976 LOCUST RD |
|---|---|
| City | DECORAH |
| State | IA |
| Zip | 52101-7404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | LOT 1 NW NE |
| Legal Range | 08W |
| Legal Township | 99N |
| Legal Section | 26 |
| Legal Lot Number | 1 |
| Jurisdiction | WINNESHIEK IA |
| Township / Civil Division | CANOE |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 950400 |
2976 Locust Rd, a rural home, is owned and occupied by two individuals.
Source: Winneshiek County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2976 LOCUST RD, DECORAH, IA 52101-7404 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 2976 LOCUST RD, DECORAH, IA 52101-7404 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02021/1030 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 2021/1030 |
| Instrument | 2021 1030 |
| Name | WAUKON STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 1, 2031 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 2976 Locust Rd was $3,820 with a homeowner's exemption.
Source: Winneshiek County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Winneshiek County |
| Unified School District | Decorah Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,820.00 | $336,820 (-) Land $14,370 Building $322,450 | $336,820 (-) Land $14,370 Building $322,450 |
| 2025 | $3,820.00 (+9.21%) Homeowner's exemption | $336,820 Land $14,370 Building $322,450 | $336,820 Land $14,370 Building $322,450 |
| 2024 | $3,498.00 | ||
| 2023 | $285,670 (+15.13%) Land $10,610 Building $275,060 | $285,670 Land $10,610 Building $275,060 | |
| 2022 | $3,292.00 Homeowner's exemption Additional exemption filed | $248,130 Land $8,550 Building $239,580 | |
| 2021 | $248,130 Land $8,550 Building $239,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2976 Locust Rd in Zone X, an area of minimal flood risk.
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 risk around 2976 Locust Rd is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 500 / 100 |
4G LTE (outdoors only), no 5G reported
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