402 Valley Dr, Decorah, IA 52101 Property Records

Winneshiek County property record for 402 Valley Dr, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,488 sqft · built 1979
Lot Size	0.26 acres (11,340 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jun 2024)
Tax Bill	$6,134 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2023 Sale
Flood Zone	Zone X (reduced by levee)
APN	`111630401800`

Property Details

APN / Parcel Number

Primary APN	`111630401800`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Building Area	1,488 sqft Living Area
1st Floor Area	1,128 sqft
Basement Area	1,128 sqft
Finished Basement	825 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,340 sqft (0.26 acres)
Lot Dimensions	135 ft deep x 84 ft wide
Garage Type	Mixed
Garage Area	1,396 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	402 VALLEY DR
City	DECORAH
State	IA
Zip	52101-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 2 OF 1 OF 2 OF 1 OF 1 OF 5 NW SW
Legal Range	08W
Legal Township	98N
Legal Section	16
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2029
Census Tract	950200

Owner

402 Valley Dr is owned and occupied by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	402 VALLEY DR, DECORAH, IA 52101-1541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Oct 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Oct 24, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2024 · Amount on File
Deed Sale	Jun 12, 2024 · Amount on File
Prior Sale	Oct 24, 2023 · Amount on File
Deed Document Number	20241275
Deed Book / Page	2024 / 1275
Prior Transfer Date	Jun 11, 2024
Prior Transfer Doc	02024/1275
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	402 VALLEY DR, DECORAH, IA 52101-1541
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 VALLEY DR, DECORAH, IA 52101-1541

Mortgage

Document Number	02023/2481
Date	Oct 12, 2023
Book Page	2023/2481
Instrument	2023 2481

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	11 Months
Due	Sep 12, 2024

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 24, 2023
Property Address	402 VALLEY DR, DECORAH, IA 52101-1541
Document Number	02023/2559
Book / Page	2023 / 2559
Instrument Date	Oct 20, 2023
Instrument	2023 2559
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Amount	Amount on Record
Tax	$607.20
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 VALLEY DR, DECORAH, IA 52101-1541

Tax Assessment & Valuation

The 2026 property tax bill for 402 Valley Dr was $6,134.

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	$6,134.00	$354,740 (-) Land $43,270 Building $311,470	$354,740 (-) Land $43,270 Building $311,470
2025	$6,134.00 (+3.83%)	$354,740 Land $43,270 Building $311,470	$354,740 Land $43,270 Building $311,470
2024	$5,908.00
2023		$300,680 (+14.84%) Land $43,270 Building $257,410	$300,680 Land $43,270 Building $257,410
2022	$5,270.00 Homeowner's exemption	$261,830 Land $36,060 Building $225,770
2021			$261,830 Land $36,060 Building $225,770

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

Flood

FEMA maps place 402 Valley Dr in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	5 (2016)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2016 · Severe Storms 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

Wildfire risk around 402 Valley Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Nextlink Fixed Wireless	100 / 20

May also be available: GigFire.

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