704 Commerce Dr, Decorah, IA 52101 Property Records

Winneshiek County property record for 704 Commerce Dr, Decorah, IA 52101

Property Summary

Property Type	Medical Building
Details	3,062 sqft · built 2000
Lot Size	0.472 acres (20,570 sqft)
Owner	Individual Name on Record
Last Sale	$309,500 (Dec 2017)
Tax Bill	$15,430 (2026)
Deeds & Mortgages	May 2026 Line of Credit Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112232600500`

Property Details

APN / Parcel Number

Primary APN	`112232600500`

Interior

Stories	1 Story
Building Area	3,062 sqft Gross Area
1st Floor Area	3,062 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Material	Shingle
Lot Area	20,570 sqft (0.472 acres)
Lot Dimensions	150 ft deep x 170 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	704 COMMERCE DR
City	DECORAH
State	IA
Zip	52101-2332
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Legal Description	LOTS 2-1-6 & 2-1-1-6 CARLSON'S SIXTH ADDN
Legal Range	08W
Legal Township	98N
Legal Section	22
Legal Subdivision	CARLSONS SIXTH ADD
Legal Lot Number	1-6
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	4
Census Block	4018
Census Tract	950300

Owner

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	Individual Name on Record
Mailing Address	704 COMMERCE DR, DECORAH, IA 52101-2332
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit DECORAH BANK & TRUST CO
Dec 12, 2017	Warranty Deed, Transfer DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2017 · Amount on Record
Deed Sale	Dec 12, 2017 · Amount on Record
Deed Document Number	2017BURNS
Deed Book / Page	2017 / 3590
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Recording Date	May 7, 2026
Property Address	704 COMMERCE DR, DECORAH, IA 52101-2332
Document Number	0000001004
Book / Page	2026 / 1004
Instrument Date	May 1, 2026
Instrument	20261004
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1887 LAKEVIEW RD, DECORAH, IA 52101

Mortgage

Document Number	0000001004,
Date	May 7, 2026
Book Page	2026/1004
Instrument	20261004

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	704 COMMERCE DR, DECORAH, IA 52101-2332
Transaction Type	Mortgage
Record Updated	Mar 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2961
Date	Sep 19, 2022
Book Page	2022/2961
Instrument	2022 2961

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 16, 2042

Interest

Rate Type	Fixed Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Dec 12, 2017
Property Address	704 COMMERCE DR, DECORAH, IA 52101-2332
Document Number	02017/3590
Book / Page	2017 / 3590
Instrument Date	Dec 11, 2017
Instrument	JAMES BURNS
Transaction Type	Transfer
Record Updated	Mar 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10715 HARDING RD, WEST UNION, IA 52175-9277

Mortgage

Document Number	02017/3591
Date	Dec 12, 2017
Book Page	2017/3591
Instrument	2017 3591

Lender

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

Agreement

Amount	Amount Recorded

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	$15,430.00	$517,290 (-) Land $72,770 Building $444,520	$517,290 (-) Land $72,770 Building $444,520
2025	$15,430.00 (+8.16%)	$517,290 (+9.98%) Land $72,770 Building $444,520	$517,290 (+9.98%) Land $72,770 Building $444,520
2024	$14,266.00 (+23.13%)
2023		$470,330 (+18.61%) Land $72,770 Building $397,560	$470,330 (+18.61%) Land $72,770 Building $397,560
2022	$11,586.00	$396,530 Land $60,640 Building $335,890
2021			$396,530 Land $60,640 Building $335,890

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

May also be available: GigFire, Nextlink.

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