809 River St, Decorah, IA 52101 Property Records

Winneshiek County property record for 809 River St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,005 sqft · built 1999
Lot Size	0.121 acres (5,250 sqft)
Owner	Individual Name on Record
Last Sale	$274,000 (Jun 2023)
Tax Bill	$3,724 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Jun 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112120902500`

Property Details

APN / Parcel Number

Primary APN	`112120902500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,005 sqft Living Area
Basement Area	1,005 sqft
Finished Basement	600 sqft
Unfinished Basement	405 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,250 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	809 RIVER ST
City	DECORAH
State	IA
Zip	52101-2133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 8 WHEELER'S ADDITION
Legal Range	08W
Legal Township	98N
Legal Section	21
Legal Subdivision	WHEELERS ADDITION
Legal Block	8
Legal Lot Number	5
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2030
Census Tract	950300

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	Individual Name on Record
Mailing Address	809 RIVER ST, DECORAH, IA 52101-2133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage KERDNT BROTHERS BANK
Jun 26, 2023	Warranty Deed, Transfer
Oct 11, 2019	Warranty Deed, Transfer · Balloon Mortgage DECORAH BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2023 · Amount on Record
Deed Sale	Jun 26, 2023 · Amount on Record
Prior Sale	Oct 11, 2019 · Amount on Record
Deed Document Number	20231611
Deed Book / Page	2023 / 1611
Last Transfer Date	Jul 23, 2024
Transfer Doc	02024/1625
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	809 RIVER ST, DECORAH, IA 52101-2133
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000938
Date	Apr 5, 2018
Book Page	0000002018/0000000938
Instrument	000000000938

Lender

Name	KERDNT BROTHERS BANK

Agreement

Amount	Amount Recorded
Term	57 Months
Due	Jan 1, 2023

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jun 26, 2023
Property Address	809 RIVER ST, DECORAH, IA 52101-2133
Document Number	02023/1611
Book / Page	2023 / 1611
Instrument Date	Jun 21, 2023
Instrument	2023 1611
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Amount	Amount Recorded
Tax	$437.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 RIVER ST, DECORAH, IA 52101-2133

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Oct 11, 2019
Property Address	809 RIVER ST, DECORAH, IA 52101-2133
Document Number	02019/2922
Book / Page	2019 / 2922
Instrument Date	Oct 4, 2019
Instrument	2922
Transaction Type	Transfer
Record Updated	Aug 9, 2023

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	809 RIVER ST, DECORAH, IA 52101-2133

Mortgage

Document Number	02019/2923
Date	Oct 11, 2019
Book Page	2019/2923
Instrument	2923

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Nov 1, 2020

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	$3,724.00	$226,220 (-) Land $19,530 Building $206,690	$226,220 (-) Land $19,530 Building $206,690
2025	$3,724.00 (+5.56%) Homeowner's exemption	$226,220 (+14.43%) Land $19,530 Building $206,690	$226,220 (+14.43%) Land $19,530 Building $206,690
2024	$3,528.00 (+4.19%)
2023		$197,690 (+15.37%) Land $19,530 Building $178,160	$197,690 (+15.37%) Land $19,530 Building $178,160
2022	$3,386.00 (+12.42%) Homeowner's exemption	$171,360 Land $16,280 Building $155,080
2021	$3,012.00		$171,360 Land $16,280 Building $155,080

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	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 402 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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