1004 Prospect St, Cresco, IA 52136 Property Records

Howard County property record for 1004 Prospect St, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,236 sqft · built 1977
Lot Size	0.239 acres (10,411 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,000 (Feb 2024)
Tax Bill	$3,320 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`320570103010000`

Property Details

APN / Parcel Number

Primary APN	`320570103010000`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
Basement Area	1,236 sqft
Finished Basement	875 sqft
Unfinished Basement	361 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,411 sqft (0.239 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1004 PROSPECT ST
City	CRESCO
State	IA
Zip	52136-1025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 EX S 4'; E 20'N 75' LOT 5 BLK 1 ASPENSONS SUBD & S 5' LOT 4 BLK 2 ROYAL OAKS SUBD
Legal Subdivision	ASPENSONS SUBD
Legal Block	2
Legal Lot Number	3-5
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	3
Census Block	3006
Census Tract	960100

Owner

Source: Howard 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	1004 PROSPECT ST, CRESCO, IA 52136-1025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage CRESCO BANK & TRUST CO
Feb 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage CRESCO BANK & TRUST CO
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CRESCO BANK & TRUST CO
May 15, 2018	Deed of Trust, Mortgage · VA Mortgage IOWA BANKERS MORTGAGE CORPORATION
May 15, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2024 · Amount on Record
Deed Sale	Feb 1, 2024 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	2024122
Deed Book / Page	2024 / 122
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	1004 PROSPECT ST, CRESCO, IA 52136-1025
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 PROSPECT ST, CRESCO, IA 52136-1025

Mortgage

Document Number	002024/123
Date	Feb 1, 2024
Book Page	2024/123
Instrument	2024 123

Lender

Name	CRESCO BANK & TRUST CO
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	1004 PROSPECT ST, CRESCO, IA 52136-1025
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 PROSPECT ST, CRESCO, IA 52136-1025

Mortgage

Document Number	002024/249
Date	Feb 23, 2024
Book Page	2024/249
Instrument	2024 249

Lender

Name	CRESCO BANK & TRUST CO
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	1004 PROSPECT ST, CRESCO, IA 52136-1025
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/952
Date	Jun 17, 2020
Book Page	2020/952
Instrument	2020 0952

Lender

Name	CRESCO BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	1004 PROSPECT ST, CRESCO, IA 52136-1025
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000761
Date	May 15, 2018
Book Page	0000002018/0000000761
Instrument	000000000761

Lender

Name	IOWA BANKERS MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	May 15, 2018
Property Address	1004 PROSPECT ST, CRESCO, IA 52136-1025
Document Number	002018/758
Book / Page	2018 / 758
Instrument Date	May 15, 2018
Instrument	2018-758
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount Recorded
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	1004 PROSPECT ST, CRESCO, IA 52136-1025

Tax Assessment & Valuation

Source: Howard County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Howard County
Municipality	Cresco City
Unified School District	Howard-Winneshiek Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,320.00	$206,650 (-) Land $17,280 Building $189,370	$206,650 (-) Land $17,280 Building $189,370
2025	$3,320.00 (+3.23%) Homeowner's exemption	$206,650 (+11.8%) Land $17,280 Building $189,370	$206,650 (+11.8%) Land $17,280 Building $189,370
2024	$3,216.00 (-2.37%)
2023		$184,840 (+20.3%) Land $17,280 Building $167,560	$184,840 (+20.3%) Land $17,280 Building $167,560
2022	$3,294.00	$153,650 Land $17,280 Building $136,370
2021			$153,650 Land $17,280 Building $136,370

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 September 16, 2011

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

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	CRESCO WATERWORKS serves 3,913 people · EPA ID IA4515087
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink, Verizon, Windstream.

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