706 E Water St, Unit 1, Decorah, IA 52101 Property Records

Winneshiek County property record for 706 E Water St, Unit 1, Decorah, IA 52101

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,566 sqft · built 2017
Lot Size	0.122 acres (5,317 sqft)
Owner	2 Individual Names on File
Last Sale	$273,000 (Oct 2020)
Tax Bill	$5,308 (2026)
Deeds & Mortgages	Oct 2020 Foreclosure Feb 2018 Sale
Flood Zone	Zone X (reduced by levee)
APN	`111533700500`

Property Details

APN / Parcel Number

Primary APN	`111533700500`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Units	4 Units
Stories	1 Story
Building Area	1,566 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Condo/Apartment
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,317 sqft (0.122 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	146 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	706 E WATER ST, 1
City	DECORAH
State	IA
Zip	52101-1939
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 1 BLDG 4 WATER ST CONDOS II CITY OF DECORAH
Legal Range	08W
Legal Township	98N
Legal Section	15
Legal Subdivision	WATER STREET CONDOS II BLDG 4
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1036
Census Tract	950200

Owner

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	706 E WATER ST, 1, DECORAH, IA 52101-1939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2020	Legal Action/Court Order, Foreclosure · Stand-Alone First Mortgage DECORAH BANK & TRUST CO
Feb 22, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020 · Amount on File
Deed Sale	Oct 15, 2020 · Amount on File
Prior Sale	Feb 22, 2018 · Amount on File
Deed Document Number	20204314
Deed Book / Page	2020 / 4314
Record Updated	Oct 29, 2026

October 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 15, 2020
Property Address	706 E WATER ST UNIT 1, 1, DECORAH, IA 52101-1939
Document Number	2020/4314
Book / Page	2020 / 4314
Map Reference	DOC 2016-2165
Instrument Date	Oct 15, 2020
Instrument	2020 4314
Transaction Type	Foreclosure
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$436.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	706 E WATER ST UNIT 1, 1, DECORAH, IA 52101-1939

Mortgage

Document Number	02020/4315
Date	Oct 15, 2020
Book Page	2020/4315
Instrument	2020 4315

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 15, 2021

Interest

Rate Type	Fixed Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Feb 22, 2018
Property Address	706 E WATER ST UNIT 1, 1, DECORAH, IA 52101-1939
Document Number	2018/468
Book / Page	2018 / 468
Instrument Date	Feb 19, 2018
Instrument	000000000468
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706, DECORAH, IA 52101

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	$5,308.00	$341,340 (-) Land $44,660 Building $296,680	$341,340 (-) Land $44,660 Building $296,680
2025	$5,308.00 (+4.82%) Homeowner's exemption	$341,340 (+13.24%) Land $44,660 Building $296,680	$341,340 (+13.24%) Land $44,660 Building $296,680
2024	$5,064.00 (+507.19%)
2023		$301,430 (+476.46%) Land $44,660 Building $256,770	$301,430 (+20.35%) Land $44,660 Building $256,770
2022	$834.00 Homeowner's exemption	$52,290 Land $26,590 Building $25,700
2021			$250,460

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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

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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