407 5th Ave, Decorah, IA 52101 Property Records

Winneshiek County property record for 407 5th Ave, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,181 sqft · built 1915
Lot Size	0.187 acres (8,160 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Nov 2025)
Tax Bill	$5,518 (2026)
Deeds & Mortgages	May 2018 Line of Credit Nov 2018 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`111630200200`

Property Details

APN / Parcel Number

Primary APN	`111630200200`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,181 sqft Living Area
1st Floor Area	900 sqft
Basement Area	1,281 sqft
Unfinished Basement	1,281 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,160 sqft (0.187 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Patio
Porch Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 5TH AVE
City	DECORAH
State	IA
Zip	52101-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 & N 18' OF W 50' OF E 77.5'OF L 6 ALL IN BLK 12 MORSES ADDN TO WEST DECORAH
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Subdivision	MORSES ADD
Legal Block	12
Legal Lot Number	4
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2033
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	407 5TH AVE, DECORAH, IA 52101-1207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 4, 2018	Deed of Trust, Mortgage · Line of Credit DECORAH BANK & TRUST COMPANY
Nov 28, 2018	Deed of Trust, Mortgage DECORAH BANK & TRUST COMPANY
Dec 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DECORAH BANK & TRUST COMPANY
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
May 12, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage DECORAH BANK & TRUST CO
Dec 15, 2010	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
May 16, 2014	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Nov 10, 2025	Warranty Deed, Transfer
Jun 9, 2023	Warranty Deed, Transfer · Conventional Mortgage FREEDOM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Prior Sale	Jun 9, 2023 · Amount on Record
Deed Document Number	20252840
Deed Book / Page	2025 / 2840
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 5TH AVE, DECORAH, IA 52101-1207
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001276
Date	May 4, 2018
Book Page	0000002018/0000001276
Instrument	000000001276

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	116 Months
Due	Jan 1, 2028

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 5TH AVE, DECORAH, IA 52101-1207
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000003293
Date	Nov 28, 2018
Book Page	0000002018/0000003293

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 5TH AVE, DECORAH, IA 52101-1207
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3719
Date	Dec 19, 2019
Book Page	2019/3719
Instrument	3719

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2040

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 5TH AVE, DECORAH, IA 52101-1207
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/574
Date	Feb 10, 2021
Book Page	2021/574
Instrument	2021 0574

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

Interest

Rate Type	Fixed Rate

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 5TH AVE, DECORAH, IA 52101-1207
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1141
Date	May 12, 2023
Book Page	2023/1141
Instrument	2023 1141

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 12, 2024

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 5TH AVE, DECORAH, IA 52101-1207
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/4785
Date	Dec 15, 2010
Book Page	2010/4785
Instrument	2010 4785

Lender

Name	DECORAH BANK & TRUST CO
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2031

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 5TH AVE, DECORAH, IA 52101-1207
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02014/1146
Date	May 16, 2014
Book Page	2014/1146
Instrument	2014 1146

Lender

Name	DECORAH BANK & TRUST CO
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2044

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Nov 10, 2025
Property Address	407 5TH AVE, DECORAH, IA 52101-1207
Document Number	02025/2840
Book / Page	2025 / 2840
Instrument Date	Nov 6, 2025
Instrument	2025 2840
Transaction Type	Transfer
Record Updated	Dec 19, 2025

Transaction

Amount	Amount Recorded
Tax	$639.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 5TH AVE, DECORAH, IA 52101-1207

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jun 9, 2023
Property Address	407 5TH AVE, DECORAH, IA 52101-1207
Document Number	02023/1455
Book / Page	2023 / 1455
Instrument Date	Jun 9, 2023
Instrument	2023 1455
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$615.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3622 SARGENT ST, MADISON, WI 53714-2909

Mortgage

Document Number	0020231456
Date	Jun 9, 2023
Instrument	2023 1456

Lender

Name	FREEDOM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

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	$5,518.00	$329,940 (-) Land $29,070 Building $300,870	$329,940 (-) Land $29,070 Building $300,870
2025	$5,518.00 (+4.79%) Homeowner's exemption	$329,940 (+37.52%) Land $29,070 Building $300,870	$329,940 (+37.52%) Land $29,070 Building $300,870
2024	$5,266.00 (+26.71%)
2023		$239,930 (+15.18%) Land $29,070 Building $210,860	$239,930 (+15.18%) Land $29,070 Building $210,860
2022	$4,156.00 Homeowner's exemption	$208,310 Land $24,230 Building $184,080
2021			$208,310 Land $24,230 Building $184,080

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 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

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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