710 Ridge Rd, Decorah, IA 52101 Property Records

Winneshiek County property record for 710 Ridge Rd, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,153 sqft · built 1984
Lot Size	0.444 acres (19,319 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Dec 2023)
Tax Bill	$7,932 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110938000800`

Property Details

APN / Parcel Number

Primary APN	`110938000800`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,153 sqft Living Area
1st Floor Area	1,737 sqft
Basement Area	1,737 sqft
Finished Basement	900 sqft
Unfinished Basement	1,253 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	19,319 sqft (0.444 acres)
Lot Dimensions	159 ft deep x 98 ft wide
Porch	Porch
Porch Area	288 sqft
Deck Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	710 RIDGE RD
City	DECORAH
State	IA
Zip	52101-1120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 1 HICKORY RIDGE 1ST ADDN
Legal Range	08W
Legal Township	98N
Legal Section	09
Legal Subdivision	HICKORY RIDGE 1ST ADD
Legal Block	1
Legal Lot Number	11
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	3
Census Block	3007
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	710 RIDGE RD, DECORAH, IA 52101-1120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Dec 20, 2023	Warranty Deed, Transfer · VA Mortgage IOWA BANKERS MORTGAGE CORP
Dec 20, 2023	Warranty Deed, Transfer · VA Mortgage IOWA BANKERS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Deed Document Number	20233010
Deed Book / Page	2023 / 3010
Prior Transfer Date	Dec 19, 2023
Prior Transfer Doc	0000003009
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Recording Date	Apr 28, 2026
Property Address	710 RIDGE RD, DECORAH, IA 52101-1120
Document Number	0000000904
Book / Page	2026 / 904
Instrument Date	Apr 22, 2026
Instrument	2026904
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	710 RIDGE RD, DECORAH, IA 52101-1120

Mortgage

Document Number	0000000904,
Date	Apr 28, 2026
Book Page	2026/904
Instrument	2026904

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Dec 20, 2023
Property Address	710 RIDGE RD, DECORAH, IA 52101-1120
Document Number	02023/3010
Book / Page	2023 / 3010
Instrument Date	Dec 1, 2023
Instrument	2023 3010
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$615.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	710 RIDGE RD, DECORAH, IA 52101-1120

Mortgage

Document Number	0020233011
Date	Dec 20, 2023
Instrument	2023 3011

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Dec 20, 2023
Property Address	710 RIDGE RD, DECORAH, IA 52101-1120
Document Number	02023/3010
Book / Page	2023 / 3010
Instrument Date	Dec 1, 2023
Instrument	2023 3010
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$615.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	710 RIDGE RD, DECORAH, IA 52101-1120

Mortgage

Document Number	0020233011
Date	Dec 20, 2023
Instrument	2023 3011

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

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	$7,932.00	$469,500 (-) Land $55,300 Building $414,200	$469,500 (-) Land $55,300 Building $414,200
2025	$7,932.00 (-0.43%) Homeowner's exemption	$469,500 (+8.32%) Land $55,300 Building $414,200	$469,500 (+8.32%) Land $55,300 Building $414,200
2024	$7,966.00 (+5.29%)
2023		$433,430 (+15.48%) Land $55,300 Building $378,130	$433,430 (+15.48%) Land $55,300 Building $378,130
2022	$7,566.00 Homeowner's exemption	$375,340 Land $46,090 Building $329,250
2021			$375,340 Land $46,090 Building $329,250

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
Nextlink Fixed Wireless	100 / 20

May also be available: GigFire.

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