823 E Water St, Decorah, IA 52101 Property Records

Winneshiek County property record for 823 E Water St, Decorah, IA 52101

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,661 sqft · built 1920
Lot Size	0.152 acres (6,625 sqft)
Owner	Individual Name on File
Last Sale	$184,000 (Jun 2018)
Tax Bill	$4,666 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`111533201100`

Property Details

APN / Parcel Number

Primary APN	`111533201100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,661 sqft Living Area
1st Floor Area	576 sqft
Basement Area	864 sqft
Finished Basement	325 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,625 sqft (0.152 acres)
Lot Dimensions	125 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	823 E WATER ST
City	DECORAH
State	IA
Zip	52101-1931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 1 MATTESON'S ADDN
Legal Range	08W
Legal Township	98N
Legal Section	15
Legal Subdivision	MATTESONS ADD
Legal Block	1
Legal Lot Number	11
Jurisdiction	WINNESHIEK IA
Township / Civil Division	DECORAH
Census Block Group	1
Census Block	1077
Census Tract	950200

Owner

823 E Water St is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	823 E WATER ST, DECORAH, IA 52101-1931
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
Jun 11, 2018	Deed of Trust, Mortgage DECORAH BANK & TRUST COMPANY
Sep 21, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jun 11, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2018 · Amount on File
Deed Sale	Jun 11, 2018 · Amount on File
Prior Sale	Sep 14, 2012 · Amount on File
Deed Document Number	20181621
Deed Book / Page	2018 / 1621
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	823 E WATER ST, DECORAH, IA 52101-1931
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001622
Date	Jun 11, 2018
Book Page	0000002018/0000001622
Instrument	000000001622

Lender

Name	DECORAH BANK & TRUST COMPANY

Agreement

Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2048

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Sep 21, 2021
Property Address	823 E WATER ST, DECORAH, IA 52101-1931
Document Number	2021/3731
Book / Page	2021 / 3731
Instrument Date	Sep 13, 2021
Instrument	2021 3731
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 E WATER ST, DECORAH, IA 52101-1931

Mortgage

Document Number	2021373220213732
Date	Sep 21, 2021
Instrument	2021 373220213732

Lender

Name	GREENSTATE CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	3.25%

Mortgage

Document Number	2021/3733
Date	Sep 21, 2021
Book Page	2021/3733
Instrument	2021 3733

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 5, 2031

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jun 11, 2018
Property Address	823 E WATER ST, DECORAH, IA 52101-1931
Document Number	2018/1621
Book / Page	2018 / 1621
Instrument Date	Jun 5, 2018
Instrument	000000001621
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount 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	2727 MORGAN ST, SIOUX CITY, IA 51104-2948

Tax Assessment & Valuation

The 2026 property tax bill for 823 E Water St was $4,666.

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	$4,666.00	$269,790 (-) Land $20,460 Building $249,330	$269,790 (-) Land $20,460 Building $249,330
2025	$4,666.00 (+5.95%)	$269,790 Land $20,460 Building $249,330	$269,790 Land $20,460 Building $249,330
2024	$4,404.00
2023		$233,950 (+15.45%) Land $20,460 Building $213,490	$233,950 Land $20,460 Building $213,490
2022	$4,222.00 Homeowner's exemption	$202,650 Land $17,050 Building $185,600
2021			$202,650 Land $17,050 Building $185,600

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

Flood

FEMA maps place 823 E Water St in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	854.5 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	4 (2016)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Aug 2016 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Aug 2016 · 4 claims

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

The area around 823 E Water 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 517 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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