Winneshiek County property record for 810 Locust Rd, Decorah, IA 52101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,080 sqft · built 1959 |
| Lot Size | 0.273 acres (11,880 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Nov 2019) |
| Tax Bill | $4,262 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110940700300 |
| Primary APN | 110940700300 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| Basement Area | 1,080 sqft |
| Finished Basement | 500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,880 sqft (0.273 acres) |
| Lot Dimensions | 90 ft deep x 129 ft wide |
| Garage Type | Attached |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 549 sqft |
| Deck Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 810 LOCUST RD |
|---|---|
| City | DECORAH |
| State | IA |
| Zip | 52101-1139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 3 OF 2 OF 2 OF 4 & L 2 OF 2 OF 2 OF 4 EXC N 44' NW SE |
| Legal Range | 08W |
| Legal Township | 98N |
| Legal Section | 09 |
| Jurisdiction | WINNESHIEK IA |
| Township / Civil Division | DECORAH |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 950200 |
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 | 810 LOCUST RD, DECORAH, IA 52101-1139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 6, 2023 | Deed of Trust, Mortgage · Line of Credit DECORAH BANK & TRUST CO |
| Mar 30, 2021 | Deed of Trust, Mortgage · Commercial Mortgage DECORAH BANK & TRUST CO |
| Feb 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DECORAH BANK & TRUST COMPANY |
| Mar 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO |
| Nov 13, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2019 · Amount on Record |
| Deed Sale | Nov 13, 2019 · Amount on Record |
| Deed Document Number | 20193289 |
| Deed Book / Page | 2019 / 3289 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 810 LOCUST RD, DECORAH, IA 52101-1139 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002023/51 |
|---|---|
| Date | Jan 6, 2023 |
| Book Page | 2023/51 |
| Instrument | 2023 0051 |
| Name | DECORAH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 18, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 810 LOCUST RD, DECORAH, IA 52101-1139 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02021/1338 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 2021/1338 |
| Instrument | 2021 1338 |
| Name | DECORAH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 18, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 810 LOCUST RD, DECORAH, IA 52101-1139 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002020/320 |
|---|---|
| Date | Feb 3, 2020 |
| Book Page | 2020/320 |
| Instrument | 320 |
| Name | DECORAH BANK & TRUST COMPANY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Property Address | 810 LOCUST RD, DECORAH, IA 52101-1139 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002022/828 |
|---|---|
| Date | Mar 18, 2022 |
| Book Page | 2022/828 |
| Instrument | 2022 0828 |
| Name | DECORAH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Recording Date | Nov 13, 2019 |
| Property Address | 810 LOCUST RD, DECORAH, IA 52101-1139 |
| Document Number | 02019/3289 |
| Book / Page | 2019 / 3289 |
| Instrument Date | Nov 1, 2019 |
| Instrument | 3289 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120-1 WINNEBAGO ST # 2, 2, DECORAH, IA 52101-1810 |
Source: Winneshiek County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Winneshiek County |
| Municipality | Decorah City |
| Unified School District | Decorah Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,262.00 | $257,380 (-) Land $41,740 Building $215,640 | $257,380 (-) Land $41,740 Building $215,640 |
| 2025 | $4,262.00 (+3.9%) Homeowner's exemption | $257,380 (+12.84%) Land $41,740 Building $215,640 | $257,380 (+12.84%) Land $41,740 Building $215,640 |
| 2024 | $4,102.00 (+24%) | ||
| 2023 | $228,090 (+36.08%) Land $41,740 Building $186,350 | $228,090 (+36.08%) Land $41,740 Building $186,350 | |
| 2022 | $3,308.00 Homeowner's exemption | $167,610 Land $34,780 Building $132,830 | |
| 2021 | $167,610 Land $34,780 Building $132,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 2,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| GigFire Fixed Wireless | 150 / 130 |
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