20635 Unity Ave, Cresco, IA 52136 Property Records

Howard County property record for 20635 Unity Ave, Cresco, IA 52136 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,797 sqft · built 1926
Lot Size	2.14 acres (93,218 sqft)
Owner	Individual Name on File
Tax Bill	$2,808 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Aug 2009 Mortgage + 15 more
Flood Zone	Zone X (minimal risk)
APN	`120161032020000`

Property Details

APN / Parcel Number

Primary APN	`120161032020000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,797 sqft Living Area
Basement Area	783 sqft
Unfinished Basement	783 sqft
Flooring	Laminate Plank
Interior Walls	Plaster

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	93,218 sqft (2.14 acres)
Garage Type	Detached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Deck Area	81 sqft
Utility Building	4,000 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20635 UNITY AVE
City	CRESCO
State	IA
Zip	52136-8552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 363' N 866' W 297'NW SW
Legal Range	11W
Legal Township	97N
Legal Section	16
Jurisdiction	HOWARD IA
Township / Civil Division	NEW OREGON
Census Block Group	2
Census Block	2095
Census Tract	960200

Owner

Source: Howard County records · APN 120161032020000

Assessment roll updated October 30, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2018	Deed of Trust, Mortgage CUSB BANK
Aug 04, 2009	Deed of Trust, Mortgage · Conventional Mortgage VIKING STATE BANK & TRUST
Sep 20, 2010	Deed of Trust, Mortgage · Conventional Mortgage VIKING STATE BANK & TRUST
Dec 07, 2015	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Sep 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CUSB BANK
Jun 19, 2008	Deed of Trust, Mortgage · Line of Credit VICKING STATE BANK & TRUST
Mar 25, 2013	Deed of Trust, Mortgage · Line of Credit C US BANK
Jan 29, 2013	Deed of Trust, Mortgage · Conventional Mortgage C US BANK
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Nov 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CUSB BANK
May 16, 2012	Deed of Trust, Mortgage · Conventional Mortgage C US BANK
Feb 10, 2026	Correction Deed
Feb 11, 2026	Correction Deed
Mar 19, 2025	Divorce Transfer, Transfer
Aug 21, 2009	Intrafamily Transfer, Transfer
May 02, 2008	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Mar 17, 2025
Transfer Doc	002025/364
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001134
Date	Jul 31, 2018
Book Page	0000002018/0000001134
Instrument	000000001134

Lender

Name	CUSB BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 01, 2048

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02009/1415
Date	Aug 04, 2009
Book Page	2009/1415
Instrument	2009 1415

Lender

Name	VIKING STATE BANK & TRUST
Type	Non-Lending Institution
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2039

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/1377
Date	Sep 20, 2010
Book Page	2010/1377
Instrument	2010 1377

Lender

Name	VIKING STATE BANK & TRUST
Type	Non-Lending Institution
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2040

December 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02015/1603
Date	Dec 07, 2015
Book Page	2015/1603
Instrument	2015 1603

Lender

Name	CUSB BANK
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2046

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1385
Date	Sep 23, 2019
Book Page	2019/1385
Instrument	1385

Lender

Name	CUSB BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00367/0488
Date	Jun 19, 2008
Book Page	367/0488
Instrument	2008 2386

Lender

Name	VICKING STATE BANK & TRUST
Type	Non-Lending Institution
Address	DECORAH, IA 52101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/0553
Date	Mar 25, 2013
Book Page	2013/0553
Instrument	2013 0553

Lender

Name	C US BANK
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/0168
Date	Jan 29, 2013
Book Page	2013/0168
Instrument	2013 0168

Lender

Name	C US BANK
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Oct 01, 2039

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1571
Date	Sep 10, 2020
Book Page	2020/1571
Instrument	2020 1571

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1277
Date	Jul 31, 2020
Book Page	2020/1277
Instrument	2020 1277

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 01, 2040

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1737
Date	Nov 12, 2019
Book Page	2019/1737
Instrument	1737

Lender

Name	CUSB BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/0875
Date	May 16, 2012
Book Page	2012/0875
Instrument	2012 0875

Lender

Name	C US BANK
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2042

Interest

Rate Type	Fixed Rate

February 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	HOWARD IA
Recording Date	Feb 10, 2026
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Document Number	002026/206
Book / Page	2026 / 206
Instrument Date	Feb 10, 2026
Instrument	2026 206
Record Updated	Mar 30, 2026

Transaction

Amount	Amount Recorded
Tax	$1,415.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20635 UNITY AVE, CRESCO, IA 52136-8552

February 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	HOWARD IA
Recording Date	Feb 11, 2026
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Document Number	002026/209
Book / Page	2026 / 209
Instrument Date	Feb 10, 2026
Instrument	2026 209
Record Updated	Mar 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20635 UNITY AVE, CRESCO, IA 52136-8552

March 2025: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	HOWARD IA
Recording Date	Mar 19, 2025
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Document Number	002025/364
Book / Page	2025 / 364
Instrument Date	Mar 17, 2025
Instrument	2025 364
Transaction Type	Transfer
Record Updated	Mar 30, 2026

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	20635 UNITY AVE, CRESCO, IA 52136-8552

August 2009: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD IA
Recording Date	Aug 21, 2009
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Document Number	02009/1517
Book / Page	2009 / 1517
Instrument Date	Aug 20, 2009
Instrument	2009 1517
Transaction Type	Transfer
Record Updated	Mar 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20635 UNITY AVE, CRESCO, IA 52136-8552

May 2008: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD IA
Recording Date	May 02, 2008
Property Address	20635 UNITY AVE, CRESCO, IA 52136-8552
Document Number	00366/0023
Book / Page	366 / 0023
Instrument Date	Apr 30, 2008
Instrument	2008 2084
Transaction Type	Transfer
Record Updated	Mar 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20635 UNITY AVE, CRESCO, IA 52136-8552

Tax Assessment & Valuation

Source: Howard County records · Assessment roll updated October 30, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,808.00	$253,340 (+11.84%) Land $22,010 Building $231,330	$253,340 (+11.84%) Land $22,010 Building $231,330
2024	$2,808.00 (+5.48%)
2023		$226,510 (+24.24%) Land $22,010 Building $204,500	$226,510 (+24.24%) Land $22,010 Building $204,500
2022	$2,662.00	$182,310 Land $16,710 Building $165,600
2021			$182,310 Land $16,710 Building $165,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Howard County (19089C), updated September 16, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190899602002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 2 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Harmony Telephone Company	Fiber	1,000 / 1,000
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130
AMG Technology Investment Group	Fixed Wireless (unlicensed)	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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