305 E Main St, Decorah, IA 52101 Property Records

Winneshiek County property record for 305 E Main St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,487 sqft · built 1900
Lot Size	0.158 acres (6,888 sqft)
Owner	Individual Name on Record
Last Sale	$150,500 (Sep 2022)
Tax Bill	$3,136 (2026)
Deeds & Mortgages	Nov 2019 Refinance Dec 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`111531200100`

Property Details

APN / Parcel Number

Primary APN	`111531200100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,487 sqft Living Area
1st Floor Area	576 sqft
Basement Area	288 sqft
Unfinished Basement	288 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,888 sqft (0.158 acres)
Lot Dimensions	123 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	305 E MAIN ST
City	DECORAH
State	IA
Zip	52101-1943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 & E 3' LOT 4 BLK 37 ORIG DEC
Legal Range	08W
Legal Township	98N
Legal Section	15
Legal Subdivision	DECORAH
Legal Block	37
Legal Lot Number	3,4
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1084
Census Tract	950200

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	Individual Name on Record
Mailing Address	305 E MAIN ST, DECORAH, IA 52101-1943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CARRINGTON MORTGAGE SERVICES LLC
Dec 17, 2025	Warranty Deed, Transfer
Sep 6, 2022	Warranty Deed, Transfer · Line of Credit CUSB BANK
May 26, 2021	Warranty Deed, Transfer · Conventional Mortgage CUSB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2022 · Amount on Record
Deed Sale	Sep 6, 2022 · Amount on Record
Deed Document Number	20222865
Deed Book / Page	2022 / 2865
Prior Transfer Date	Sep 1, 2022
Prior Transfer Doc	02022/2866
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	305 E MAIN ST, DECORAH, IA 52101-1943
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3183
Date	Nov 4, 2019
Book Page	2019/3183
Instrument	3183

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Dec 17, 2025
Property Address	305 E MAIN ST, DECORAH, IA 52101-1943
Document Number	02025/3172
Book / Page	2025 / 3172
Instrument Date	Dec 16, 2025
Instrument	2025 3172
Transaction Type	Transfer
Record Updated	Jan 12, 2026

Transaction

Amount	Amount Recorded
Tax	$93.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 E MAIN ST, OSSIAN, IA 52161-8116

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Sep 6, 2022
Property Address	305 E MAIN ST, DECORAH, IA 52101-1943
Document Number	02022/2865
Book / Page	2022 / 2865
Instrument Date	Sep 1, 2022
Instrument	2022 2865
Transaction Type	Transfer
Record Updated	Jan 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E MAIN ST, DECORAH, IA 52101-1943

Mortgage

Document Number	0020222866
Date	Sep 6, 2022
Instrument	2022 2866

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	May 26, 2021
Property Address	305 E MAIN ST, DECORAH, IA 52101-1943
Document Number	02021/2168
Book / Page	2021 / 2168
Instrument Date	May 20, 2021
Instrument	2021 2168
Transaction Type	Transfer
Record Updated	Jan 12, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E MAIN ST, DECORAH, IA 52101-1943

Mortgage

Document Number	2021216920212169
Date	May 26, 2021
Instrument	2021 216920212169

Lender

Name	CUSB BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Winneshiek County assessment roll, as of October 21, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,136.00	$181,320 (-) Land $24,700 Building $156,620	$181,320 (-) Land $24,700 Building $156,620
2025	$3,136.00 (+4.6%)	$181,320 (+13.84%) Land $24,700 Building $156,620	$181,320 (+13.84%) Land $24,700 Building $156,620
2024	$2,998.00 (+11.28%)
2023		$159,280 (+15.3%) Land $24,700 Building $134,580	$159,280 (+15.3%) Land $24,700 Building $134,580
2022	$2,694.00 Homeowner's exemption	$138,140 Land $20,580 Building $117,560
2021			$138,140 Land $20,580 Building $117,560

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
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DECORAH WATER DEPARTMENT serves 7,615 people · EPA ID IA9630012
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	9 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 517 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Nextlink Fixed Wireless	100 / 20

May also be available: GigFire.

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