602 Locust Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 602 Locust Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,771 sqft · built 1997
Lot Size	3.09 acres (134,600 sqft)
Owner	2 Individual Names on File
Tax Bill	$14,282 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`111613000800`

Property Details

APN / Parcel Number

Primary APN	`111613000800`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	14 Rooms
Stories	1 Story
Building Area	4,771 sqft Living Area
1st Floor Area	3,078 sqft
Attic	Attic
Attic Area	1,693 sqft
Basement Area	3,078 sqft
Finished Basement	2,800 sqft
Unfinished Basement	278 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	134,600 sqft (3.09 acres)
Garage Type	Attached
Garage Area	1,005 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	42 sqft
Deck Area	805 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	602 LOCUST RD
City	DECORAH
State	IA
Zip	52101-1059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1-3, 2-3 & 4 BLK 1 ROVERUD'S 1ST ADDN
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Subdivision	ROVERUDS 1ST ADD
Legal Block	1
Legal Lot Number	1-4
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	3
Census Block	3004
Census Tract	950200

Owner

602 Locust Rd 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	602 LOCUST RD, DECORAH, IA 52101-1059
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
Sep 11, 2023	Deed of Trust, Mortgage · Line of Credit DECORAH BANK & TRUST CO
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jun 1, 2017	Deed of Trust, Mortgage BANK OF THE WEST
May 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Jul 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF THE WEST
Jul 3, 2018	Deed of Trust, Mortgage BANK OF THE WEST

Assessor's Deed Record

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

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	602 LOCUST RD, DECORAH, IA 52101-1059
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2246
Date	Sep 11, 2023
Book Page	2023/2246
Instrument	2023 2246

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 18, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	602 LOCUST RD, DECORAH, IA 52101-1059
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/2149
Date	Jun 17, 2020
Book Page	2020/2149
Instrument	2020 2149

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	602 LOCUST RD, DECORAH, IA 52101-1059
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1697
Date	Apr 22, 2021
Book Page	2021/1697
Instrument	2021 1697

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	602 LOCUST RD, DECORAH, IA 52101-1059
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1585
Date	Jun 1, 2017
Book Page	2017/1585
Instrument	2017 1585

Lender

Name	BANK OF THE WEST
Type	Bank
Address	DECORAH, IA 52101

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	602 LOCUST RD, DECORAH, IA 52101-1059
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1391
Date	May 17, 2017
Book Page	2017/1391
Instrument	2017 1391

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2032

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	602 LOCUST RD, DECORAH, IA 52101-1059
Transaction Type	Mortgage
Record Updated	Aug 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1862
Date	Jul 16, 2019
Book Page	2019/1862
Instrument	1862

Lender

Name	BANK OF THE WEST

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	602 LOCUST RD, DECORAH, IA 52101-1059
Transaction Type	Mortgage
Record Updated	Jul 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001886
Date	Jul 3, 2018
Book Page	0000002018/0000001886
Instrument	000000001886

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 602 Locust Rd was $14,282 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	$14,282.00	$851,350 (-) Land $78,270 Building $773,080	$851,350 (-) Land $78,270 Building $773,080
2025	$14,282.00 (+6.04%) Homeowner's exemption	$851,350 Land $78,270 Building $773,080	$851,350 Land $78,270 Building $773,080
2024	$13,468.00
2023		$739,410 (+15.73%) Land $78,270 Building $661,140	$739,410 Land $78,270 Building $661,140
2022	$13,128.00 Homeowner's exemption	$638,920 Land $65,230 Building $573,690
2021			$638,920 Land $65,230 Building $573,690

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

Flood

FEMA maps place 602 Locust Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 602 Locust Rd is low, with less than 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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
Nextlink Fixed Wireless	100 / 20

May also be available: GigFire.

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