407 John St, Decorah, IA 52101 Property Records

Winneshiek County property record for 407 John St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,904 sqft · built 1900
Lot Size	0.309 acres (13,440 sqft)
Owner	Individual Name on File
Tax Bill	$4,170 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`111535100700`

Property Details

APN / Parcel Number

Primary APN	`111535100700`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,440 sqft (0.309 acres)
Lot Dimensions	120 ft deep x 112 ft wide
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	216 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 JOHN ST
City	DECORAH
State	IA
Zip	52101-2232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10, S 9' LOT 9 & N 50' LOT 11 BLK 1 OTIS & STEVENS
Legal Range	08W
Legal Township	98N
Legal Section	15
Legal Subdivision	OTIS & STEVENS ADD
Legal Block	1
Legal Lot Number	9-11
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	4
Census Block	4008
Census Tract	950300

Owner

407 John St is owned and occupied by an individual who acquired it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	407 JOHN ST, DECORAH, IA 52101-2232
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
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 5, 2024
Transfer Doc	02024/1244
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 JOHN ST, DECORAH, IA 52101-2232
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/4429
Date	Oct 21, 2020
Book Page	2020/4429
Instrument	2020 4429

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2040

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	407 JOHN ST, DECORAH, IA 52101-2232
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/716
Date	Mar 12, 2020
Book Page	2020/716
Instrument	2020 0716

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2040

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 407 John St was $4,170 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	$4,170.00	$266,610 (-) Land $43,350 Building $223,260	$266,610 (-) Land $43,350 Building $223,260
2025	$4,170.00 (+5.73%) Homeowner's exemption	$266,610 Land $43,350 Building $223,260	$266,610 Land $43,350 Building $223,260
2024	$3,944.00
2023		$233,420 (+15.53%) Land $43,350 Building $190,070	$233,420 Land $43,350 Building $190,070
2022	$4,024.00 Homeowner's exemption	$202,040 Land $36,120 Building $165,920
2021			$202,040 Land $36,120 Building $165,920

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

Flood

FEMA maps place 407 John 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 407 John 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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