809 S Mill St, Decorah, IA 52101 Property Records

Winneshiek County property record for 809 S Mill St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1983
Lot Size	0.145 acres (6,300 sqft)
Owner	Individual Name on Record
Tax Bill	$3,172 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`112120700200`

Property Details

APN / Parcel Number

Primary APN	`112120700200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Unfinished Basement	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,300 sqft (0.145 acres)
Lot Dimensions	140 ft deep x 45 ft wide
Garage Type	Mixed
Garage Area	480 sqft
Parking Spaces	4 Parking Spaces
Deck Area	96 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 S MILL ST
City	DECORAH
State	IA
Zip	52101-2028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 45' L 4 BLK 6 WHEELERS
Legal Range	08W
Legal Township	98N
Legal Section	21
Legal Subdivision	WHEELERS ADD
Legal Block	6
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	3
Census Block	3015
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 S MILL ST, DECORAH, IA 52101-2028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Balloon Mortgage KERNDT BROTHERS SAVINGS BANK
Jun 19, 2017	Deed of Trust, Mortgage · Line of Credit KERNDT BROTHERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	809 S MILL ST, DECORAH, IA 52101-2028
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2008
Date	Jun 27, 2022
Book Page	2022/2008
Instrument	2022 2008

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 15, 2032

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	809 S MILL ST, DECORAH, IA 52101-2028
Transaction Type	Mortgage
Record Updated	Jul 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 1756
Date	Jun 19, 2017
Book Page	2017/1756
Instrument	2017 1756

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank
Address	LANSING, IA 52151

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 15, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,172.00	$194,300 (-) Land $17,900 Building $176,400	$194,300 (-) Land $17,900 Building $176,400
2025	$3,172.00 (+5.38%) Homeowner's exemption	$194,300 (+14.21%) Land $17,900 Building $176,400	$194,300 (+14.21%) Land $17,900 Building $176,400
2024	$3,010.00 (+4.22%)
2023		$170,130 (+15.33%) Land $17,900 Building $152,230	$170,130 (+15.33%) Land $17,900 Building $152,230
2022	$2,888.00 Homeowner's exemption	$147,510 Land $14,920 Building $132,590
2021			$147,510 Land $14,920 Building $132,590

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (1997–2018)
Most Recent Claim	Jun 2018 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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	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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