810 River St, Decorah, IA 52101 Property Records

Winneshiek County property record for 810 River St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,224 sqft · built 1900
Lot Size	0.142 acres (6,200 sqft)
Owner	Individual Name on File
Last Sale	$93,000 (Mar 2026)
Tax Bill	$1,604 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2015 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`112121000400`

Property Details

APN / Parcel Number

Primary APN	`112121000400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area
1st Floor Area	580 sqft
Basement Area	818 sqft
Unfinished Basement	818 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,200 sqft (0.142 acres)
Lot Dimensions	124 ft deep x 50 ft wide
Porch	Porch
Porch Area	162 sqft

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Street Address	810 RIVER ST
City	DECORAH
State	IA
Zip	52101-2134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 14 BLK 9 WHEELERS
Legal Range	08W
Legal Township	98N
Legal Section	21
Legal Subdivision	WHEELERS ADD
Legal Block	9
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	2
Census Block	2031
Census Tract	950300

Owner

810 River St is owned and occupied by an individual who bought it in March 2026.

Source: Winneshiek County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	314 DAY ST, DECORAH, IA 52101-2217
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Feb 2, 2015	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Mar 2, 2026	Legal Action/Court Order, Foreclosure · Line of Credit WAUKON STATE BANK
Sep 12, 2024	Legal Action/Court Order, Foreclosure · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2026 · Amount on File
Deed Sale	Mar 2, 2026 · Amount on File
Prior Sale	Sep 12, 2024 · Amount on File
Deed Document Number	2026417
Deed Book / Page	2026 / 417
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	810 RIVER ST, DECORAH, IA 52101-2134
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3255
Date	Aug 21, 2020
Book Page	2020/3255
Instrument	2020 3255

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 21, 2035

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 21, 2027
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year CMT

February 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	810 RIVER ST, DECORAH, IA 52101-2134
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02015/0265
Date	Feb 2, 2015
Book Page	2015/0265
Instrument	2015 0265

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2026: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	WINNESHIEK IA
Recording Date	Mar 2, 2026
Property Address	810 RIVER ST, DECORAH, IA 52101-2134
Document Number	002026/417
Book / Page	2026 / 417
Instrument Date	Feb 26, 2026
Instrument	2026 417
Transaction Type	Foreclosure
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$148.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 DAY ST, DECORAH, IA 52101-2217

Mortgage

Document Number	0002026448
Date	Mar 2, 2026
Instrument	2026 448

Lender

Name	WAUKON STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2024: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	WINNESHIEK IA
Recording Date	Sep 12, 2024
Property Address	810 RIVER ST, DECORAH, IA 52101-2134
Document Number	02024/1979
Book / Page	2024 / 1979
Instrument Date	Sep 10, 2024
Instrument	2024 1979
Transaction Type	Foreclosure
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$184.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 RIVER ST, DECORAH, IA 52101-2134

Mortgage

Document Number	0020241980
Date	Sep 12, 2024
Instrument	2024 1980

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	11 Months
Due	Aug 12, 2025

Tax Assessment & Valuation

The 2026 property tax bill for 810 River St was $1,604 with a homeowner's exemption.

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	$1,604.00	$118,230 (-) Land $20,580 Building $97,650	$118,230 (-) Land $20,580 Building $97,650
2025	$1,604.00 (-9.48%) Homeowner's exemption	$118,230 Land $20,580 Building $97,650	$118,230 Land $20,580 Building $97,650
2024	$1,772.00
2023		$104,400 (+16.34%) Land $20,580 Building $83,820	$104,400 Land $20,580 Building $83,820
2022	$1,684.00 Homeowner's exemption	$89,740 Land $17,150 Building $72,590
2021			$89,740 Land $17,150 Building $72,590

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 810 River St in Zone X, an area of minimal flood risk.

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

The area around 810 River St has no burnable land within ember reach, so its wildfire risk is not rated.

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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