2985 River Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 2985 River Rd, Decorah, IA 52101 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,792 sqft · built 2017
Lot Size	2.78 acres (121,097 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,556 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Jun 2017 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`082720001200`

Property Details

APN / Parcel Number

Primary APN	`082720001200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,792 sqft Living Area
Basement Area	1,792 sqft
Unfinished Basement	1,792 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	121,097 sqft (2.78 acres)
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Deck Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2985 RIVER RD
City	DECORAH
State	IA
Zip	52101-7629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1-2-1-1 NE NE
Legal Range	07W
Legal Township	99N
Legal Section	27
Legal Lot Number	1,2
Jurisdiction	WINNESHIEK IA
Township / Civil Division	PLEASANT
Census Block Group	2
Census Block	2009
Census Tract	950400

Owner

Source: Winneshiek County records · APN 082720001200

Assessment roll updated October 21, 2025 · Last verified July 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 File
Mailing Address	2985 RIVER RD, DECORAH, IA 52101-7629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2018	Deed of Trust, Mortgage · Line of Credit VIKING STATE B&T
Jun 29, 2017	Deed of Trust, Mortgage · Construction Mortgage WAUKON STATE BANK
Mar 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VIKING STATE BANK & TRUST
Mar 19, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jun 29, 2017	Deed of Trust, Mortgage · Construction Mortgage WAUKON STATE BANK
Mar 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VIKING STATE BANK & TRUST
Feb 16, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Mar 06, 2026
Transfer Doc	0000000564
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2985 RIVER RD, DECORAH, IA 52101-7629
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000217
Date	Jan 24, 2018
Book Page	0000002018/0000000217
Instrument	000000000217

Lender

Name	VIKING STATE B&T

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2985 RIVER RD, DECORAH, IA 52101-7629
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/1887
Date	Jun 29, 2017
Book Page	2017/1887
Instrument	2017 1887

Lender

Name	WAUKON STATE BANK
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Dec 29, 2017

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2985 RIVER RD, DECORAH, IA 52101-7629
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/649
Date	Mar 27, 2019
Book Page	2019/649
Instrument	649

Lender

Name	VIKING STATE BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNESHIEK IA
Recording Date	Mar 19, 2026
Property Address	2985 RIVER RD, DECORAH, IA 52101-7629
Document Number	002026/564
Book / Page	2026 / 564
Instrument Date	Mar 06, 2026
Instrument	2026 564
Transaction Type	Transfer
Record Updated	Apr 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2985 RIVER RD, DECORAH, IA 52101-7629

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2985 RIVER RD, DECORAH, IA 52101-7629

Mortgage

Document Number	0002026565
Date	Mar 19, 2026
Instrument	2026 565

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2985 RIVER RD, DECORAH, IA 52101-7629
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1887
Date	Jun 29, 2017
Book Page	2017/1887
Instrument	2017 1887

Lender

Name	WAUKON STATE BANK
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Dec 29, 2017

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	2985 RIVER RD, DECORAH, IA 52101-7629
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/649
Date	Mar 27, 2019
Book Page	2019/649
Instrument	649

Lender

Name	VIKING STATE BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNESHIEK IA
Recording Date	Feb 16, 2017
Property Address	2985 RIVER RD, DECORAH, IA 52101-7629
Document Number	02017/0483
Book / Page	2017 / 0483
Instrument Date	Feb 16, 2017
Instrument	2017 0483
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1827 HERITAGE RD, DECORAH, IA 52101-7508

Tax Assessment & Valuation

Source: Winneshiek County records · Assessment roll updated October 21, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Winneshiek County
Unified School District	Decorah Community School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,556.00 Homeowner's exemption	$340,610 (+13.83%) Land $39,200 Building $301,410	$340,610 (+13.83%) Land $39,200 Building $301,410
2024	$3,556.00 (+6.98%)
2023		$299,240 (+15.41%) Land $39,200 Building $260,040	$299,240 (+15.41%) Land $39,200 Building $260,040
2022	$3,324.00 Homeowner's exemption	$259,280 Land $32,670 Building $226,610
2021			$259,280 Land $32,670 Building $226,610

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Winneshiek County (19191C), updated February 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 191919504002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 32% of the US · above 59% of Iowa
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 8 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Harmony Telephone Company	Fiber	1,000 / 1,000
AMG Technology Investment Group	Fixed Wireless (unlicensed)	100 / 20

May also be available at this address: Ace Telephone Association. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

No mobile data coverage reported

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures