609 E Water St, Decorah, IA 52101 Property Records

Winneshiek County property record for 609 E Water St, Decorah, IA 52101

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,016 sqft · built 1890
Lot Size	0.226 acres (9,840 sqft)
Owner	Company Name on Record
Last Sale	$165,500 (Sep 2021)
Tax Bill	$4,002 (2026)
Deeds & Mortgages	Apr 2018 Line of Credit Jan 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`111531100400`

Property Details

APN / Parcel Number

Primary APN	`111531100400`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,016 sqft Total Area
1st Floor Area	784 sqft
Basement Area	392 sqft
Unfinished Basement	392 sqft
Game Room	Game Room
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,840 sqft (0.226 acres)
Lot Dimensions	123 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	1,512 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	609 E WATER ST
City	DECORAH
State	IA
Zip	52101-1927
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 1 & E 1/2 LOT 2 BLK 41 ORIG DECORAH
Legal Range	08W
Legal Township	98N
Legal Section	15
Legal Subdivision	ORIGINAL DECORAH
Legal Block	41
Legal Lot Number	1,2
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1093
Census Tract	950200

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	Company Name on Record
Mailing Address	401 W WATER ST, B, DECORAH, IA 52101-1763
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit VIKING STATE BANK & TRUST
Jan 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DECORAH BANK & TRUST COMPANY
Nov 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DECORAH BANK & TRUST COMPANY
Sep 2, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on Record
Deed Sale	Sep 2, 2021 · Amount on Record
Prior Sale	Aug 22, 2011 · Amount on Record
Deed Document Number	20213517
Deed Book / Page	2021 / 3517
Last Transfer Date	Aug 3, 2022
Transfer Doc	0000002523
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	609 E WATER ST, DECORAH, IA 52101-1927
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000882
Date	Apr 2, 2018
Book Page	0000002018/0000000882
Instrument	000000000882

Lender

Name	VIKING STATE BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	609 E WATER ST, DECORAH, IA 52101-1927
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/247
Date	Jan 29, 2020
Book Page	2020/247
Instrument	247

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	609 E WATER ST, DECORAH, IA 52101-1927
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3360
Date	Nov 18, 2019
Book Page	2019/3360
Instrument	3360

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Sep 2, 2021
Property Address	609 E WATER ST, DECORAH, IA 52101-1927
Document Number	02021/3517
Book / Page	2021 / 3517
Instrument Date	Sep 1, 2021
Instrument	2021 3517
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Amount	Amount Recorded
Tax	$264.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 W WATER ST STE B, B, DECORAH, IA 52101-1763

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	$4,002.00 (+2.99%)	$224,730 (-) Land $30,580 Building $194,150	$224,730 (-) Land $30,580 Building $194,150
2025	$3,886.00 (+1.38%)	$224,730 (+13.94%) Land $30,580 Building $194,150	$224,730 (+13.94%) Land $30,580 Building $194,150
2024	$3,833.00 (+4.07%)
2023		$197,230 (+15.35%) Land $30,580 Building $166,650	$197,230 (+15.35%) Land $30,580 Building $166,650
2022	$3,683.00	$170,990 Land $25,480 Building $145,510
2021			$170,990 Land $25,480 Building $145,510

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	4 (2016)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Aug 2016 · Severe Storms, Straight-line Winds, 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

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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