402 Oak St, Decorah, IA 52101 Property Records

Winneshiek County property record for 402 Oak St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,721 sqft · built 1908
Lot Size	0.214 acres (9,339 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,102 (2026)
Deeds & Mortgages	Sep 2023 Sale & Line of Credit Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`111536400500`

Property Details

APN / Parcel Number

Primary APN	`111536400500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,721 sqft Living Area
1st Floor Area	743 sqft
Basement Area	792 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,339 sqft (0.214 acres)
Lot Dimensions	141 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	36 sqft
Deck Area	80 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	402 OAK ST
City	DECORAH
State	IA
Zip	52101-2726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 14 OTIS & STEVENS
Legal Range	08W
Legal Township	98N
Legal Section	15
Legal Subdivision	OTIS & STEVENS ADD
Legal Block	14
Legal Lot Number	5
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	4
Census Block	4002
Census Tract	950300

Owner

402 Oak St is owned and occupied by two individuals who acquired it in May 2012.

Source: Winneshiek County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	402 OAK ST, DECORAH, IA 52101-2726
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Warranty Deed, Transfer · Line of Credit DECORAH BANK & TRUST CO
Jun 24, 2022	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 1, 2012
Transfer Doc	02012/1707
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Sep 27, 2023
Property Address	402 OAK ST, DECORAH, IA 52101-2726
Document Number	02023/2359
Book / Page	2023 / 2359
Instrument Date	Sep 22, 2023
Instrument	2023 2359
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.80
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	402 OAK ST, DECORAH, IA 52101-2726

Mortgage

Document Number	02023/2311
Date	Sep 19, 2023
Book Page	2023/2311
Instrument	2023 2311

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 18, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jun 24, 2022
Property Address	402 OAK ST, DECORAH, IA 52101-2726
Document Number	02022/2005
Book / Page	2022 / 2005
Instrument Date	Jun 24, 2022
Instrument	2022 2005
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.20
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	402 OAK ST, DECORAH, IA 52101-2726

Mortgage

Document Number	02022/2036
Date	Jun 29, 2022
Book Page	2022/2036
Instrument	2022 2036

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 24, 2029
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

The 2026 property tax bill for 402 Oak St was $4,102 with a homeowner's exemption.

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	$4,102.00	$248,040 (-) Land $30,290 Building $217,750	$248,040 (-) Land $30,290 Building $217,750
2025	$4,102.00 (+5.72%) Homeowner's exemption	$248,040 Land $30,290 Building $217,750	$248,040 Land $30,290 Building $217,750
2024	$3,880.00
2023		$216,330 (+24.09%) Land $30,290 Building $186,040	$216,330 Land $30,290 Building $186,040
2022	$3,632.00	$174,330 Land $25,250 Building $149,080
2021			$174,330 Land $25,250 Building $149,080

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 402 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 402 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

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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