109 3rd Ave SW, Cresco, IA 52136 Property Records

Howard County property record for 109 3rd Ave SW, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1976
Lot Size	0.145 acres (6,316 sqft)
Owner	Company Name on File
Last Sale	$70,400 (Sep 2022)
Tax Bill	$1,292 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`320013706010000`

Property Details

APN / Parcel Number

Primary APN	`320013706010000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Basement Area	768 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,316 sqft (0.145 acres)
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	109 3RD AVE SW
City	CRESCO
State	IA
Zip	52136-1855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 42' LOT 6 BLK 37 CRESCO PLAT
Legal Subdivision	ORIGINAL TOWN CRESCO
Legal Block	37
Legal Lot Number	6
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	1
Census Block	1119
Census Tract	960100

Owner

109 3rd Ave SW is owned by a company that bought it in September 2022.

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

Owner of Record	Company Name on File
Mailing Address	733 2ND ST SE, CRESCO, IA 52136-2049
Owner Type	Company
Vesting	Company

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 28, 2021	Deed of Trust, Mortgage · Commercial Mortgage CRESCO BANK & TRUST CO
Sep 16, 2022	Warranty Deed, Transfer · Commercial Mortgage CUSB BANK
Nov 1, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2022 · Amount on File
Deed Sale	Sep 16, 2022 · Amount on File
Prior Sale	Nov 1, 2019 · Amount on File
Deed Document Number	20221470
Deed Book / Page	2022 / 1470
Prior Transfer Date	Oct 24, 2019
Prior Transfer Doc	02019/1662
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	109 3RD AVE SW, CRESCO, IA 52136-1855
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02021/1224
Date	Jun 28, 2021
Book Page	2021/1224
Instrument	2021 01224

Lender

Name	CRESCO BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	Sep 16, 2022
Property Address	109 3RD AVE SW, CRESCO, IA 52136-1855
Document Number	02022/1470
Book / Page	2022 / 1470
Instrument Date	Sep 16, 2022
Instrument	2022 1470
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	733 2ND ST SE, CRESCO, IA 52136-2049

Mortgage

Document Number	0020221471
Date	Sep 16, 2022
Instrument	2022 1471

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOWARD IA
Recording Date	Nov 1, 2019
Property Address	109 3RD AVE SW, CRESCO, IA 52136-1855
Document Number	02019/1662
Book / Page	2019 / 1662
Instrument Date	Oct 24, 2019
Instrument	1662
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1210 CANTERBURY CT, CRESCO, IA 52136-2071

Tax Assessment & Valuation

The 2026 property tax bill for 109 3rd Ave SW was $1,292.

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	$1,292.00	$76,200 (-) Land $4,200 Building $72,000	$76,200 (-) Land $4,200 Building $72,000
2025	$1,292.00 (+2.7%)	$76,200 Land $4,200 Building $72,000	$76,200 Land $4,200 Building $72,000
2024	$1,258.00
2023		$62,280 (+19.17%) Land $4,200 Building $58,080	$62,280 Land $4,200 Building $58,080
2022	$1,120.00	$52,260 Land $4,200 Building $48,060
2021			$52,260 Land $4,200 Building $48,060

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

Flood

FEMA maps place 109 3rd Ave SW in Zone X, an area of minimal flood risk.

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

The area around 109 3rd Ave SW 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	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 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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