702 Ridge Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 702 Ridge Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 2,520 sqft · built 1973
Lot Size	0.533 acres (23,230 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,290 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`110938000400`

Property Details

APN / Parcel Number

Primary APN	`110938000400`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,520 sqft Living Area
1st Floor Area	952 sqft
Basement Area	1,568 sqft
Finished Basement	775 sqft
Unfinished Basement	793 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,230 sqft (0.533 acres)
Lot Dimensions	230 ft deep x 100 ft wide
Porch	Slab
Porch Area	54 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	702 RIDGE RD
City	DECORAH
State	IA
Zip	52101-1120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 OF 7 BLK 1 HICKORY RIDGE 1ST
Legal Range	08W
Legal Township	98N
Legal Section	09
Legal Subdivision	HICKORY RIDGE FIRST ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	3
Census Block	3007
Census Tract	950200

Owner

702 Ridge Rd is owned and occupied by two individuals.

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	2 Individual Names on File
Mailing Address	702 RIDGE RD, DECORAH, IA 52101-1120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jan 8, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	702 RIDGE RD, DECORAH, IA 52101-1120
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002021/94
Date	Jan 8, 2021
Book Page	2021/94
Instrument	2021 0094

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2031

Interest

Rate Type	Fixed Rate

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNESHIEK IA
Recording Date	Jan 8, 2024
Property Address	702 RIDGE RD, DECORAH, IA 52101-1120
Document Number	0002024/49
Book / Page	2024 / 49
Instrument Date	Dec 19, 2023
Instrument	2024 49
Transaction Type	Transfer
Record Updated	Mar 4, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 RIDGE RD, DECORAH, IA 52101-1120

Tax Assessment & Valuation

The 2026 property tax bill for 702 Ridge Rd was $7,290 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	$7,290.00	$432,400 (-) Land $56,580 Building $375,820	$432,400 (-) Land $56,580 Building $375,820
2025	$7,290.00 (+4.32%) Homeowner's exemption	$432,400 Land $56,580 Building $375,820	$432,400 Land $56,580 Building $375,820
2024	$6,988.00
2023		$381,470 (+14.28%) Land $56,580 Building $324,890	$381,470 Land $56,580 Building $324,890
2022	$6,770.00 Homeowner's exemption	$333,800 Land $47,150 Building $286,650
2021			$333,800 Land $47,150 Building $286,650

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

Flood

FEMA maps place 702 Ridge 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 702 Ridge 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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