704 Decorah Ave, Decorah, IA 52101 Property Records

Winneshiek County property record for 704 Decorah Ave, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,250 sqft · built 1940
Lot Size	0.141 acres (6,125 sqft)
Owner	Individual Name on File
Last Sale	$219,500 (Jul 2022)
Tax Bill	$3,022 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`111518101100`

Property Details

APN / Parcel Number

Primary APN	`111518101100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,250 sqft Living Area
1st Floor Area	862 sqft
Attic	Attic
Attic Area	388 sqft
Basement Area	862 sqft
Unfinished Basement	862 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,125 sqft (0.141 acres)
Lot Dimensions	125 ft deep x 49 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 DECORAH AVE
City	DECORAH
State	IA
Zip	52101-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 EXC W 4' BLK 10 PARK ADDN
Legal Range	08W
Legal Township	98N
Legal Section	15
Legal Subdivision	PARK ADD
Legal Block	10
Legal Lot Number	17
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1044
Census Tract	950200

Owner

704 Decorah Ave is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	704 DECORAH AVE, DECORAH, IA 52101-1430
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
Jun 28, 2018	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA CREDIT UNION
Jun 28, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage WAUKON STATE BANK
Nov 22, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage DECORAH BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2022 · Amount on File
Deed Sale	Jul 29, 2022 · Amount on File
Prior Sale	Nov 22, 2019 · Amount on File
Deed Document Number	20222417
Deed Book / Page	2022 / 2417
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	704 DECORAH AVE, DECORAH, IA 52101-1430
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001831
Date	Jun 28, 2018
Book Page	0000002018/0000001831
Instrument	000000001831

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2023
Index	1-Year CMT

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	704 DECORAH AVE, DECORAH, IA 52101-1430
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001832
Date	Jun 28, 2018
Book Page	0000002018/0000001832
Instrument	000000001832

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount on Record
Term	67 Months
Due	Jan 1, 2024

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	704 DECORAH AVE, DECORAH, IA 52101-1430
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/4144
Date	Oct 6, 2020
Book Page	2020/4144
Instrument	2020 4144

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jul 29, 2022
Property Address	704 DECORAH AVE, DECORAH, IA 52101-1430
Document Number	02022/2417
Book / Page	2022 / 2417
Instrument Date	Jul 13, 2022
Instrument	2022 2417
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 DECORAH AVE, DECORAH, IA 52101-1430

Mortgage

Document Number	02022/2418
Date	Jul 29, 2022
Book Page	2022/2418
Instrument	2022 2418

Lender

Name	WAUKON STATE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Nov 22, 2019
Property Address	704 DECORAH AVE, DECORAH, IA 52101-1430
Document Number	02019/3469
Book / Page	2019 / 3469
Instrument Date	Nov 19, 2019
Instrument	3469
Transaction Type	Transfer
Record Updated	Sep 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 DECORAH AVE, DECORAH, IA 52101-1430

Mortgage

Document Number	02019/3470
Date	Nov 22, 2019
Book Page	2019/3470
Instrument	3470

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 704 Decorah Ave was $3,022 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	$3,022.00	$200,170 (-) Land $24,740 Building $175,430	$200,170 (-) Land $24,740 Building $175,430
2025	$3,022.00 (+6.78%) Homeowner's exemption	$200,170 Land $24,740 Building $175,430	$200,170 Land $24,740 Building $175,430
2024	$2,830.00
2023		$174,220 (+18.03%) Land $24,740 Building $149,480	$174,220 Land $24,740 Building $149,480
2022	$2,890.00 Homeowner's exemption	$147,610 Land $20,620 Building $126,990
2021			$147,610 Land $20,620 Building $126,990

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

Flood

FEMA maps place 704 Decorah Ave in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

The area around 704 Decorah Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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