708 5th Ave, Decorah, IA 52101 Property Records

Winneshiek County property record for 708 5th Ave, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,407 sqft · built 1940
Lot Size	0.252 acres (10,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,500 (Feb 2020)
Tax Bill	$5,046 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`111728202400`

Property Details

APN / Parcel Number

Primary APN	`111728202400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,407 sqft Living Area
1st Floor Area	616 sqft
Basement Area	976 sqft
Finished Basement	440 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,956 sqft (0.252 acres)
Lot Dimensions	132 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Deck Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	708 5TH AVE
City	DECORAH
State	IA
Zip	52101-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4-1 & W 1/2 LOT 3-1 SE NE
Legal Range	08W
Legal Township	98N
Legal Section	17
Legal Subdivision	SOUTHEAST QUARTER
Legal Lot Number	1-4
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2027
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	708 5TH AVE, DECORAH, IA 52101-1214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Sep 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
May 2, 2017	Deed of Trust, Mortgage · Commercial Mortgage WAUKON STATE BANK
Mar 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage KERNDT BROTHERS SAVINGS BANK
Nov 21, 2018	Deed of Trust, Mortgage VIKING STATE BANK & TRUST
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Feb 7, 2020	Warranty Deed, Transfer · Stand-Alone Refinance DECORAH BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2020 · Amount on Record
Deed Sale	Feb 7, 2020 · Amount on Record
Deed Document Number	2020381
Deed Book / Page	2020 / 381
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	708 5TH AVE, DECORAH, IA 52101-1214
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 5TH AVE, DECORAH, IA 52101-1214

Mortgage

Document Number	02023/2472
Date	Oct 11, 2023
Book Page	2023/2472
Instrument	2023 2472

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	7.75%
Max Rate At Change	9.75%
Index	1-Year T-Bill
Margin	3
Max Rate	13.7%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	708 5TH AVE, DECORAH, IA 52101-1214
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2941
Date	Sep 15, 2022
Book Page	2022/2941
Instrument	2022 2941

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 14, 2023

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	708 5TH AVE, DECORAH, IA 52101-1214
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/1186
Date	May 2, 2017
Book Page	2017/1186
Instrument	2017 1186

Lender

Name	WAUKON STATE BANK
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	708 5TH AVE, DECORAH, IA 52101-1214
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0634
Date	Mar 3, 2017
Book Page	2017/0634
Instrument	2017 0634

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	708 5TH AVE, DECORAH, IA 52101-1214
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000003253
Date	Nov 21, 2018
Book Page	0000002018/0000003253

Lender

Name	VIKING STATE BANK & TRUST
Type	Bank

Agreement

Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	708 5TH AVE, DECORAH, IA 52101-1214
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/618
Date	Feb 12, 2021
Book Page	2021/618
Instrument	2021 0618

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Feb 7, 2020
Property Address	708 5TH AVE, DECORAH, IA 52101-1214
Document Number	002020/381
Book / Page	2020 / 381
Instrument Date	Feb 7, 2020
Instrument	381
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	9021 BEERY PL, JOHNSTON, IA 50131-2374

Mortgage

Document Number	002020/382
Date	Feb 7, 2020
Book Page	2020/382
Instrument	382

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$5,046.00	$302,610 (-) Land $42,330 Building $260,280	$302,610 (-) Land $42,330 Building $260,280
2025	$5,046.00 (+5.52%) Homeowner's exemption	$302,610 (+39.81%) Land $42,330 Building $260,280	$302,610 (+39.81%) Land $42,330 Building $260,280
2024	$4,782.00 (+28.62%)
2023		$216,450 (+15.57%) Land $42,330 Building $174,120	$216,450 (+15.57%) Land $42,330 Building $174,120
2022	$3,718.00 Homeowner's exemption	$187,290 Land $35,280 Building $152,010
2021			$187,290 Land $35,280 Building $152,010

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	5 (2016)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2016 · Severe Storms 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	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Nextlink Fixed Wireless	100 / 20

May also be available: GigFire.

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