704 E Main St, Decorah, IA 52101 Property Records

Winneshiek County property record for 704 E Main St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1900
Lot Size	0.144 acres (6,270 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Sep 2021)
Tax Bill	$2,480 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`111533100400`

Property Details

APN / Parcel Number

Primary APN	`111533100400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Basement Area	456 sqft
Unfinished Basement	456 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,270 sqft (0.144 acres)
Lot Dimensions	114 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	256 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 E MAIN ST
City	DECORAH
State	IA
Zip	52101-1912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 35' L 7 NW SW & W 20' OF L 2 NE SW
Legal Range	08W
Legal Township	98N
Legal Section	15
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1076
Census Tract	950200

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	2 Individual Names on Record
Mailing Address	503 LOCUST RD, DECORAH, IA 52101-1001
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHEAST SECURITY BANK
Oct 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CO-OP CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Prior Sale	Oct 25, 2019 · Amount on Record
Deed Document Number	20213635
Deed Book / Page	2021 / 3635
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Sep 14, 2021
Property Address	704 E MAIN ST, DECORAH, IA 52101-1912
Document Number	02021/3635
Book / Page	2021 / 3635
Instrument Date	Sep 7, 2021
Instrument	2021 3635
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.20
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 E MAIN ST, DECORAH, IA 52101-1912

Mortgage

Document Number	2021363620213636
Date	Sep 14, 2021
Instrument	2021 363620213636

Lender

Name	NORTHEAST SECURITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 25, 2019
Property Address	704 E MAIN ST, DECORAH, IA 52101-1912
Document Number	02019/3083
Book / Page	2019 / 3083
Instrument Date	Oct 25, 2019
Instrument	3083
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
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 E MAIN ST, DECORAH, IA 52101-1912

Mortgage

Document Number	02019/3084
Date	Oct 25, 2019
Book Page	2019/3084
Instrument	3084

Lender

Name	CO-OP CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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	$2,480.00	$143,450 (-) Land $23,760 Building $119,690	$143,450 (-) Land $23,760 Building $119,690
2025	$2,480.00 (+4.2%)	$143,450 (+13.43%) Land $23,760 Building $119,690	$143,450 (+13.43%) Land $23,760 Building $119,690
2024	$2,380.00 (+5.03%)
2023		$126,470 (+16.28%) Land $23,760 Building $102,710	$126,470 (+16.28%) Land $23,760 Building $102,710
2022	$2,266.00 Homeowner's exemption	$108,760 Land $19,800 Building $88,960
2021			$108,760 Land $19,800 Building $88,960

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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