Winneshiek County property record for 545 County St, Ridgeway, IA 52165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,787 sqft · built 1922 |
| Lot Size | 0.431 acres (18,760 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,378 (2026) |
| Deeds & Mortgages | Oct 2022 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 092325100200 |
| Primary APN | 092325100200 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,787 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Basement Area | 1,078 sqft |
| Unfinished Basement | 1,078 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 18,760 sqft (0.431 acres) |
| Lot Dimensions | 140 ft deep x 134 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 545 COUNTY ST |
|---|---|
| City | RIDGEWAY |
| State | IA |
| Zip | 52165-9704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 5,6 & E 34'L 7 BLK 24 IN RIDGEWAY |
| Legal Range | 10W |
| Legal Township | 98N |
| Legal Section | 23 |
| Legal Subdivision | TOWN RIDGEWAY |
| Legal Block | 24 |
| Legal Lot Number | 5 |
| Jurisdiction | WINNESHIEK IA |
| Township / Civil Division | LINCOLN |
| Census Block Group | 4 |
| Census Block | 4074 |
| Census Tract | 950100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 132, DECORAH, IA 52101-0132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO |
| Jan 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO |
| Aug 9, 2017 | Deed of Trust, Mortgage · ARM DECORAH BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 545 COUNTY ST, RIDGEWAY, IA 52165-9704 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/3100 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 2022/3100 |
| Instrument | 2022 3100 |
| Name | DECORAH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 4, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 4.95% |
| Max Rate At Change | 7.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 545 COUNTY ST, RIDGEWAY, IA 52165-9704 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002022/250 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | 2022/250 |
| Instrument | 2022 0250 |
| Name | DECORAH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 21, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 545 COUNTY ST, RIDGEWAY, IA 52165-9704 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/2326 |
|---|---|
| Date | Aug 9, 2017 |
| Book Page | 2017/2326 |
| Instrument | 2017 2326 |
| Name | DECORAH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | DECORAH, IA 52101 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 7, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.95% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 7, 2022 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.95% |
| Max Rate At Change | 6.95% |
| Index | 5-Year CMT |
| Margin | 3 |
| Max Rate | 6.95% |
Source: Winneshiek County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Winneshiek County |
| Municipality | Ridgeway City |
| Unified School District | Howard-Winneshiek Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,378.00 | $161,280 (-) Land $18,450 Building $142,830 | $161,280 (-) Land $18,450 Building $142,830 |
| 2025 | $2,378.00 (+8.98%) Homeowner's exemption | $161,280 (+15.17%) Land $18,450 Building $142,830 | $161,280 (+15.17%) Land $18,450 Building $142,830 |
| 2024 | $2,182.00 (+7.81%) | ||
| 2023 | $140,040 (+14.23%) Land $18,450 Building $121,590 | $140,040 (+14.23%) Land $18,450 Building $121,590 | |
| 2022 | $2,024.00 Homeowner's exemption | $122,590 Land $15,380 Building $107,210 | |
| 2021 | $122,590 Land $15,380 Building $107,210 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF RIDGEWAY serves 275 people · EPA ID IA9680085 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 5 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 800 / 300 |
| Mabel Cooperative Telephone Company Fiber | 200 / 40 |
| GigFire Fixed Wireless | 150 / 130 |
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