407 E Main St, Decorah, IA 52101 Property Records

Winneshiek County property record for 407 E Main St, Decorah, IA 52101 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,218 sqft · built 1930
Lot Size	0.149 acres (6,519 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Apr 2025)
Tax Bill	$4,146 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`111531300400`

Property Details

APN / Parcel Number

Primary APN	`111531300400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,218 sqft Living Area
1st Floor Area	700 sqft
Basement Area	700 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	6,519 sqft (0.149 acres)
Lot Dimensions	123 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	14 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	407 E MAIN ST
City	DECORAH
State	IA
Zip	52101-1945
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 38 ORIGINAL DECORAH
Legal Block	38
Legal Lot Number	2
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1083
Census Tract	950200

Owner

Source: Winneshiek County records · APN 111531300400

Assessment roll updated May 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	407 E MAIN ST, DECORAH, IA 52101-1945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jun 03, 2022	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Aug 15, 2022	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 07, 2025 · Amount on Record
Deed Sale	Apr 07, 2025 · Amount on Record
Prior Sale	Aug 15, 2022 · Amount on Record
Deed Document Number	2025 907
Deed Book / Page	2025 / 907
Record Updated	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 E MAIN ST, DECORAH, IA 52101-1945
Transaction Type	Mortgage
Record Updated	Jun 01, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1547
Date	Apr 13, 2021
Book Page	2021/1547
Instrument	2021 1547

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 18, 2031

Interest

Rate Type	Fixed Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 E MAIN ST, DECORAH, IA 52101-1945
Transaction Type	Mortgage
Record Updated	Jun 01, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1733
Date	Jun 03, 2022
Book Page	2022/1733
Instrument	2022 1733

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2032

Interest

Rate Type	Fixed Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Aug 15, 2022
Property Address	407 E MAIN ST, DECORAH, IA 52101-1945
Document Number	02022/2612
Book / Page	2022 / 2612
Instrument Date	Aug 15, 2022
Instrument	2022 2612
Transaction Type	Transfer
Record Updated	Jun 01, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$503.20
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 E MAIN ST, DECORAH, IA 52101-1945

Mortgage

Document Number	02022/2613
Date	Aug 15, 2022
Book Page	2022/2613
Instrument	2022 2613

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Winneshiek County records · Assessment roll updated May 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$265,220 (+15.09%) Land $23,370 Building $241,850	$265,220 (+15.09%) Land $23,370 Building $241,850
2024	$4,146.00 (+8.93%)
2023		$230,440 (+20.29%) Land $23,370 Building $207,070	$230,440 (+20.29%) Land $23,370 Building $207,070
2022	$3,806.00 Homeowner's exemption	$191,570 Land $19,480 Building $172,090
2021			$191,570 Land $19,480 Building $172,090

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Winneshiek County (19191C), updated February 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 191919502001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 24 individual NFIP policies nearby
Nearby Flood Policies	24 in force
Nearby Flood Claims	4 (2016)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Aug 2016, other causes, Severe Storms, Straight-line Winds, And Flooding
Claims By Storm	Severe Storms, Straight-line Winds, And Flooding, Aug 2016 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 517 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
AMG Technology Investment Group	Fixed Wireless (unlicensed)	100 / 20

May also be available at this address: LTD Broadband, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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