706 E Water St, Unit 3, Decorah, IA 52101 Property Records

Winneshiek County property record for 706 E Water St, Unit 3, Decorah, IA 52101

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,232 sqft · built 2017
Lot Size	0.122 acres (5,317 sqft)
Owner	Individual Name on File
Last Sale	$219,000 (Dec 2017)
Tax Bill	$4,952 (2026)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`111533700700`

Property Details

APN / Parcel Number

Primary APN	`111533700700`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Units	4 Units
Stories	1 Story
Building Area	1,232 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	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	32 sqft
Deck Area	168 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, 3
City	DECORAH
State	IA
Zip	52101-1939
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 3 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

706 E Water St, Unit 3 is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	706 E WATER ST, 3, DECORAH, IA 52101-1939
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2017 · Amount on File
Deed Sale	Dec 4, 2017 · Amount on File
Deed Document Number	20173505
Deed Book / Page	2017 / 3505
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Dec 4, 2017
Property Address	706 E WATER ST UNIT 3, 3, DECORAH, IA 52101-1939
Document Number	2017/3505
Book / Page	2017 / 3505
Instrument Date	Nov 14, 2017
Instrument	2017 3505
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount on Record
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	706 E WATER ST UNIT 3, 3, DECORAH, IA 52101-1939

Mortgage

Document Number	2017/3506
Date	Dec 4, 2017
Book Page	2017/3506
Instrument	2017 3506

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 706 E Water St, Unit 3 was $4,952 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	$4,952.00	$297,180 (-) Land $44,660 Building $252,520	$297,180 (-) Land $44,660 Building $252,520
2025	$4,952.00 (+3.99%) Homeowner's exemption	$297,180 Land $44,660 Building $252,520	$297,180 Land $44,660 Building $252,520
2024	$4,762.00
2023		$263,210 (+457.29%) Land $44,660 Building $218,550	$263,210 Land $44,660 Building $218,550
2022	$800.00 Homeowner's exemption	$47,230 Land $26,590 Building $20,640
2021			$217,110

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

FEMA maps place 706 E Water St, Unit 3 in Zone X, where a levee reduces flood risk, within 100 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 100 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 706 E Water St, Unit 3 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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