500 Valley Dr, Decorah, IA 52101 Property Records

Winneshiek County property record for 500 Valley Dr, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,516 sqft · built 1977
Lot Size	0.231 acres (10,080 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,400 (2026)
Deeds & Mortgages	May 2019 Refinance Apr 2018 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`111630401700`

Property Details

APN / Parcel Number

Primary APN	`111630401700`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,516 sqft Living Area
Basement Area	1,516 sqft
Finished Basement	1,300 sqft
Unfinished Basement	216 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	120 ft deep x 84 ft wide
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	500 VALLEY DR
City	DECORAH
State	IA
Zip	52101-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 2 OF 2 OF 1 OF 1 OF 5 & 2 OF 2 OF 3 OF 1 OF 5 NW SW
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Lot Number	2
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2029
Census Tract	950200

Owner

500 Valley Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	500 VALLEY DR, DECORAH, IA 52101-1524
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
May 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DECORAH BANK & TRUST COMPANY
Apr 9, 2018	Deed of Trust, Mortgage DECORAH BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	500 VALLEY DR, DECORAH, IA 52101-1524
Transaction Type	Mortgage
Record Updated	May 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1027
Date	May 1, 2019
Book Page	2019/1027
Instrument	1027

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2029

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	500 VALLEY DR, DECORAH, IA 52101-1524
Transaction Type	Mortgage
Record Updated	May 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000963
Date	Apr 9, 2018
Book Page	0000002018/0000000963
Instrument	000000000963

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Amount	Amount on Record
Term	117 Months
Due	Jan 1, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 500 Valley Dr was $5,400 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	$5,400.00	$332,070 (-) Land $41,560 Building $290,510	$332,070 (-) Land $41,560 Building $290,510
2025	$5,400.00 (+4.73%) Homeowner's exemption	$332,070 Land $41,560 Building $290,510	$332,070 Land $41,560 Building $290,510
2024	$5,156.00
2023		$292,600 (+14.27%) Land $41,560 Building $251,040	$292,600 Land $41,560 Building $251,040
2022	$5,080.00 Homeowner's exemption	$256,050 Land $34,630 Building $221,420
2021			$256,050 Land $34,630 Building $221,420

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

Flood

FEMA maps place 500 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 500 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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