609 Locust Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 609 Locust Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,858 sqft · built 1925
Lot Size	0.386 acres (16,800 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Oct 2021)
Tax Bill	$4,390 (2026)
Deeds & Mortgages	May 2022 Mortgage Aug 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`111612900800`

Property Details

APN / Parcel Number

Primary APN	`111612900800`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,858 sqft Living Area
1st Floor Area	336 sqft
Basement Area	1,623 sqft
Unfinished Basement	1,623 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,800 sqft (0.386 acres)
Lot Dimensions	160 ft deep x 210 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	70 sqft
Deck Area	114 sqft
Lean-To	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	609 LOCUST RD
City	DECORAH
State	IA
Zip	52101-1069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 2 OF 2 OF 3 NE NW
Legal Range	08W
Legal Township	98N
Legal Section	16
Legal Subdivision	NORTHEAST QUARTER OF THE NORTHWEST
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	3
Census Block	3007
Census Tract	950200

Owner

609 Locust Rd is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	609 LOCUST RD, DECORAH, IA 52101-1069
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 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Aug 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Oct 19, 2021	Affidavit, Transfer
Oct 19, 2021	Warranty Deed, Transfer
Oct 19, 2021	Affidavit, Transfer · Stand-Alone First Mortgage DECORAH BANK & TRUST CO
Oct 19, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Deed Document Number	20214131
Deed Book / Page	2021 / 4131
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	609 LOCUST RD, DECORAH, IA 52101-1069
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1645
Date	May 26, 2022
Book Page	2022/1645
Instrument	2022 1645

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	609 LOCUST RD, DECORAH, IA 52101-1069
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 LOCUST RD, DECORAH, IA 52101-1069

Mortgage

Document Number	02025/1910
Date	Aug 4, 2025
Book Page	2025/1910
Instrument	2025 1910

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 4, 2050

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Aug 4, 2032
Change Frequency	Annually
Min Rate At Change	8.5%
Max Rate At Change	10.5%
Margin	4
Max Rate	14.5%

October 2021: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 19, 2021
Property Address	609 LOCUST RD, DECORAH, IA 52101-1069
Document Number	02021/4130
Book / Page	2021 / 4130
Instrument Date	Oct 18, 2021
Instrument	2021 4130
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 LOCUST RD, DECORAH, IA 52101-1069

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 19, 2021
Property Address	609 LOCUST RD, DECORAH, IA 52101-1069
Document Number	02021/4131
Book / Page	2021 / 4131
Instrument Date	Oct 14, 2021
Instrument	2021 4131
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Tax	$295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	212 W WATER ST # A, A, DECORAH, IA 52101-1728

October 2021: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 19, 2021
Property Address	609 LOCUST RD, DECORAH, IA 52101-1069
Document Number	02021/4129
Book / Page	2021 / 4129
Instrument Date	Oct 14, 2021
Instrument	2021 4129
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 LOCUST RD, 609, DECORAH, IA 52101-1069

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 LOCUST RD, DECORAH, IA 52101-1069

Mortgage

Document Number	02021/4133
Date	Oct 19, 2021
Book Page	2021/4133
Instrument	2021 4133

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 18, 2022

Interest

Rate Type	Fixed Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 19, 2021
Property Address	609 LOCUST RD, DECORAH, IA 52101-1069
Document Number	02021/4131
Book / Page	2021 / 4131
Instrument Date	Oct 14, 2021
Instrument	2021 4131
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Tax	$295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	212 W WATER ST # A, A, DECORAH, IA 52101-1728

Mortgage

Document Number	0020214133
Date	Oct 19, 2021
Instrument	2021 4133

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	11 Months
Due	Sep 18, 2022

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 609 Locust Rd was $4,390 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	$4,390.00	$264,750 (-) Land $53,420 Building $211,330	$264,750 (-) Land $53,420 Building $211,330
2025	$4,390.00 (+4.47%) Homeowner's exemption	$264,750 Land $53,420 Building $211,330	$264,750 Land $53,420 Building $211,330
2024	$4,202.00
2023		$233,450 (+25.57%) Land $53,420 Building $180,030	$233,450 Land $53,420 Building $180,030
2022	$3,688.00	$185,910 Land $44,520 Building $141,390
2021			$185,910 Land $44,520 Building $141,390

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

Flood

FEMA maps place 609 Locust Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 609 Locust Rd 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	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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