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706 E Water St, Unit 4, Decorah, IA 52101 Property Records

Winneshiek County property record for 706 E Water St, Unit 4, Decorah, IA 52101

Property Summary

Property TypeCondominium
Details2 bd · 3 ba · 1,542 sqft · built 2017
Lot Size0.122 acres (5,317 sqft)
Owner2 Individual Names on File
Last Sale$286,000 (Jun 2020)
Tax Bill$5,568 (2026)
Deeds & MortgagesOct 2017 Line of Credit
Jun 2020 Sale
Flood ZoneZone X (reduced by levee)
APN111533700800

Property Details

APN / Parcel Number

Primary APN111533700800

Interior

Bedrooms2 Beds
Full Baths3 Baths
Half Baths2 Half Baths
Total Rooms4 Rooms
Units4 Units
Stories1 Story
Building Area1,542 sqft Living Area
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleCondo/Apartment
Exterior MaterialFiber Cement Siding
Construction TypeFrame
Foundation TypeConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area5,317 sqft (0.122 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area146 sqft
Deck Area192 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
Water SourceCommercial

Location & Zoning

Street Address706 E WATER ST, 4
CityDECORAH
StateIA
Zip52101-1939
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionUNIT 4 BLDG 4 WATER ST CONDOS II CITY OF DECORAH
Legal Range08W
Legal Township98N
Legal Section15
Legal SubdivisionWATER STREET CONDOMINIUMS II
JurisdictionWINNESHIEK IA
Township / Civil DivisionDECORAH
Census Block Group1
Census Block1036
Census Tract950200

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 Record2 Individual Names on File
Mailing Address706 E WATER ST, 4, DECORAH, IA 52101-1939
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 16, 2017Deed of Trust, Mortgage · Line of Credit
DECORAH BANK & TRUST CO
Jun 23, 2020Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 23, 2020 · Amount on File
Deed SaleJun 23, 2020 · Amount on File
Deed Document Number20202252
Deed Book / Page2020 / 2252
Record UpdatedOct 29, 2026

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINNESHIEK IA
Property Address706 E WATER ST UNIT 4, 4, DECORAH, IA 52101-1939
Transaction TypeMortgage
Record UpdatedSep 10, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2017/3056
DateOct 16, 2017
Book Page2017/3056
Instrument2017 3056
Lender
NameDECORAH BANK & TRUST CO
TypeBank
AddressDECORAH, IA 52101
Agreement
TypeLine of Credit
AmountAmount on Record
Term120 Months
DueOct 18, 2027
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNESHIEK IA
Recording DateJun 23, 2020
Property Address706 E WATER ST UNIT 4, 4, DECORAH, IA 52101-1939
Document Number2020/2252
Book / Page2020 / 2252
Map ReferenceBK 2017 PG 1090
Instrument DateJun 11, 2020
Instrument2020 2252
Transaction TypeTransfer
Record UpdatedSep 10, 2021

Transaction

AmountAmount on Record
Tax$456.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address706 E WATER ST UNIT 4, 4, DECORAH, IA 52101-1939

Tax Assessment & Valuation

Source: Winneshiek County assessment roll, as of October 21, 2025

Property Jurisdictions

TypeName
StateIowa
CountyWinneshiek County
MunicipalityDecorah City
Unified School DistrictDecorah Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,568.00$347,400 (-) Land $44,660 Building $302,740$347,400 (-) Land $44,660 Building $302,740
2025$5,568.00 (+4.62%) Homeowner's exemption$347,400 (+13.28%) Land $44,660 Building $302,740$347,400 (+13.28%) Land $44,660 Building $302,740
2024$5,322.00 (+484.84%)
2023$306,680 (+483.26%) Land $44,660 Building $262,020$306,680 (+20.25%) Land $44,660 Building $262,020
2022$910.00 Homeowner's exemption$52,580 Land $26,590 Building $25,990
2021$255,030

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 ZoneZone X
reduced by levee · depends on levee performance
Nearest Special Flood Hazard AreaZone AH, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 24 policies
Nearby Flood Policies24 in force
Nearby Flood Claims4 (2016)
Claims Outside the SFHA3 of 4
Most Recent ClaimAug 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 RiskNot 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 SystemDECORAH WATER DEPARTMENT
serves 7,615 people · EPA ID IA9630012
Water SourceGroundwater
Last State InspectionJun 2024
Lead9 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Nextlink
Fixed Wireless		100 / 20

May also be available: GigFire.

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