Winneshiek County property record for 3473 Locust Rd, Decorah, IA 52101
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,246 sqft · built 1986 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Dec 2015) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 043110000400 |
| Primary APN | 043110000400 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,246 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,232 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 1,232 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Cape Cod |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 291 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3473 LOCUST RD |
|---|---|
| City | DECORAH |
| State | IA |
| Zip | 52101-7440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2-1 SE NW |
| Legal Range | 07W |
| Legal Township | 100 |
| Legal Section | 31 |
| Legal Lot Number | 1,2 |
| Jurisdiction | WINNESHIEK IA |
| Township / Civil Division | HIGHLAND |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 950100 |
3473 Locust Rd is owned and occupied by two individuals who bought it in December 2015.
Source: Winneshiek County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3473 LOCUST RD, DECORAH, IA 52101-7440 |
| 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 |
|---|---|
| Last Sale | Dec 30, 2015 · Amount on File |
| Deed Sale | Dec 30, 2015 · Amount on File |
| Prior Sale | Jan 5, 2011 · Amount on File |
| Deed Document Number | 20153654 |
| Deed Book / Page | 2015 / 3654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 3473 LOCUST RD, DECORAH, IA 52101-7440 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02020/3620 |
|---|---|
| Date | Sep 9, 2020 |
| Book Page | 2020/3620 |
| Instrument | 2020 3620 |
| Name | MARINE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 15, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 11.7% |
| Max Rate At Change | 13.7% |
| Index | 1-Year CMT |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $241,730 (+3.14%) Land $25,600 Building $216,130 | $241,730 (+3.14%) Land $25,600 Building $216,130 |
| 2025 | $234,360 Land $25,600 Building $208,760 | $234,360 Land $25,600 Building $208,760 |
| 2023 | $203,430 Land $25,600 Building $177,830 | $203,430 Land $25,600 Building $177,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3473 Locust Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.
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 | 1 in force |
| Nearby Flood Claims | 1 (2008) |
| Most Recent Claim | Jun 2008 · Severe Storms, Tornadoes, And Flooding |
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 3473 Locust Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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