409 River St, Decorah, IA 52101 Property Records

Winneshiek County property record for 409 River St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,200 sqft · built 1900
Lot Size	0.277 acres (12,054 sqft)
Owner	Individual Name on File
Last Sale	$169,000 (Apr 2021)
Tax Bill	$4,160 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`111645902900`

Property Details

APN / Parcel Number

Primary APN	`111645902900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,200 sqft Living Area
1st Floor Area	1,004 sqft
Basement Area	1,180 sqft
Unfinished Basement	1,180 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,054 sqft (0.277 acres)
Lot Dimensions	123 ft deep x 98 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	104 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 RIVER ST
City	DECORAH
State	IA
Zip	52101-1751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 EXC W 10' & LOT 22 SW SE
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Lot Number	21,22
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2008
Census Tract	950300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Broadway-Phelps Park Historic District (Boundary Increase) listed 2022 · 2 contributing resources · NRIS 76000813

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	409 RIVER ST, DECORAH, IA 52101-1751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO
Apr 7, 2021	Deed, Transfer
Dec 10, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2021 · Amount on File
Deed Sale	Apr 7, 2021 · Amount on File
Deed Document Number	20211447
Deed Book / Page	2021 / 1447
Record Updated	Oct 29, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Apr 7, 2021
Property Address	409 RIVER ST, DECORAH, IA 52101-1751
Document Number	02021/1448
Book / Page	2021 / 1448
Instrument Date	Apr 2, 2021
Instrument	2021 1448
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 RIVER ST, DECORAH, IA 52101-1751

Mortgage

Document Number	02021/1450
Date	Apr 7, 2021
Book Page	2021/1450
Instrument	2021 1450

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 6, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 6, 2028
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year CMT

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Apr 7, 2021
Property Address	409 RIVER ST, DECORAH, IA 52101-1751
Document Number	2021/1447
Book / Page	2021 / 1447
Instrument Date	Apr 2, 2021
Instrument	2021 1447
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Tax	$269.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 RIVER ST, DECORAH, IA 52101-1751

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Dec 10, 2018
Property Address	409 RIVER ST, DECORAH, IA 52101-1751
Document Number	02018/3392
Book / Page	2018 / 3392
Instrument Date	Dec 7, 2018
Instrument	2018-3392
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 S MECHANIC ST, DECORAH, IA 52101-1722

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	$4,160.00	$251,430 (-) Land $40,340 Building $211,090	$251,430 (-) Land $40,340 Building $211,090
2025	$4,160.00 (+5.26%) Homeowner's exemption	$251,430 (+14.18%) Land $40,340 Building $211,090	$251,430 (+14.18%) Land $40,340 Building $211,090
2024	$3,952.00 (+4.88%)
2023		$220,210 (+16.08%) Land $40,340 Building $179,870	$220,210 (+16.08%) Land $40,340 Building $179,870
2022	$3,768.00 Homeowner's exemption	$189,700 Land $33,610 Building $156,090
2021			$189,700 Land $33,610 Building $156,090

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

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

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 402 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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