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408 Winnebago St, Decorah, IA, 52101

5beds
4baths
2,754sqft
$563,500
$205price/sqft
$4,042/moest. monthly cost
$161,680/yrincome needed

About This Home

A Timeless Masterpiece of Historic Elegance & Modern Luxury! Step into a home where exquisite craftsmanship, historic charm, and refined modern living come together beautifully. Perfectly suited for a busy family or those seeking effortless main-floor living, this meticulously restored 1900s residence offers the rare opportunity to own a piece of history without sacrificing today’s comforts. The heart of the home showcases nationally award-winning craftsmanship with stunning red oak, burr oak, mahogany, and walnut parquet floors recognized for 2026 Best in Historic Restoration by National Wood Floor Association. The luxurious custom kitchen features elegant Kemper cabinetry, Cambria quartz countertops, an induction cooktop built into the island, and high-end Café appliances—creating a space designed for both everyday living and unforgettable entertaining. The private main-floor retreat is a true sanctuary, featuring a spa-inspired tiled walk-in shower, water closet, washer/dryer combo, expansive walk-in wardrobe, and a beautiful clerestory window that fills the room with the warmth of the sunrise. Throughout the main level, original woodwork, a grand staircase, a historic tiled entry, cozy sitting area, and den with original tiled fireplace celebrate the home’s timeless beauty. A thoughtfully designed drop zone off the side porch with a half bath and abundant storage adds modern convenience. The upper level offers four spacious bedrooms with ceiling fans/lights and all-new windows, along with 2 beautifully updated bathrooms that include a walk-in shower, double vanity, laundry hookups, and a relaxing soaking tub. Located just 2½ blocks from downtown, this exceptional home places you within easy walking distance of the Farmers Market, restaurants, boutique shops, grocery store, City Hall, and churches. With maintenance-free siding, updated electrical and plumbing, a detached two-car garage, inviting front porch, and almost every major update already completed, this home offers the perfect blend of historic grandeur and worry-free living. A rare opportunity to own a beautifully preserved treasure—where yesterday’s craftsmanship meets today’s luxury lifestyle. Call your professional Realtor today for your private viewing!

Getting Around

85
WalkingVery Walkable
0
TransitVery Limited Transit
67
BikeBikeable

Schools

9/10
Decorah Middle SchoolGrades 5-80.1 mi
9/10
Decorah High SchoolGrades 9-120.4 mi
7/10

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Flat,Shingle,Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Disposal,Microwave,Refrigerator,Washer,Water Softener Owned
  • Laundry features: 1st Floor,2nd Floor,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Concrete,Stone/Rock

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 1
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Crown Molding,Solid Surface Counters
  • Door features: French Doors,Paneled Doors,Pocket Doors
  • Flooring: Hardwood
  • Fireplace features: One,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Natural Gas,Steam
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total interior livable area: 2,754 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 111647601100
  • Zoning: R-3
  • Special condition: Standard

Features

  • Patio & porch: Porch,Covered

Lot

  • Lot size: 6,098 sqft
  • Features: Level
  • Lot size dimensions: 52 x 119

Parking

  • Total spaces: 2
  • Parking features: 2 Stall,Detached Garage
  • Covered spaces: 2
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hail
Tornado
Winter Weather
Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,849$34,188
Home Insurance *$367$4,404
Property Taxes $621$7,452
Electricity $205$2,465
Total$4,042$48,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,582/yr
40% on housing$121,260/yr
45% on housing$107,786/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 52101$208
Winneshiek County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 52101
Winneshiek County$145

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-09Listed for sale$563,500
2024-08-23Sold$241,000
2024-07-06Pending sale$234,500
2024-07-04Listed for sale$234,500

For Sale by Agent

AgentMarcia Madrigal
BrokerageKelly Real Estate Inc

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