223 3rd St SE, Cresco, IA 52136 Property Records

Howard County property record for 223 3rd St SE, Cresco, IA 52136 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1974
Square Footage	1,260 sqft Living Area
Lot Size	7,492 sqft (0.172 acres)
Occupancy	Owner Occupied
Last Sale	$170,500 (2025)
Tax Bill	$1,578.00 (2025)

Owner

Source: Howard County records · APN 320013115020000

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	2 Individual Names on File
Mailing Address	223 3RD ST SE, CRESCO, IA 52136-1817
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 10, 2025 · Amount on Record
Deed Sale	Apr 10, 2025 · Amount on Record
Prior Sale	Sep 23, 2024 · Amount on Record
Deed Doc Number	2025463
Deed Book / Page	2025 / 463
Prior Transfer Date	Aug 14, 2024
Prior Transfer Doc	0000001132
Record Refreshed	Sep 20, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	Apr 10, 2025
Property Address	223 3RD ST SE, CRESCO, IA 52136-1817
Document Number	002025/463
Book / Page	2025 / 463
Instrument Date	Apr 10, 2025
Instrument	2025 463
Transaction Type	Transfer
Record Updated	Nov 03, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$271.20
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	223 3RD ST SE, CRESCO, IA 52136-1817

Mortgage

Document Number	0002025464
Date	Apr 10, 2025
Instrument	2025 464

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Apr 01, 2032
Change Frequency	Annually
Min Rate At Change	6.75%
Max Rate At Change	8.75%
Margin	3
Max Rate	12.7%

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
Municipality	Cresco City
Unified School District	Howard-Winneshiek Community School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,578.00 Homeowner's exemption	$107,680 (+12.25%) Land $6,380 Building $101,300	$107,680 (+12.25%) Land $6,380 Building $101,300
2024	$1,578.00 (+3.68%)
2023		$95,930 (+20.09%) Land $6,380 Building $89,550	$95,930 (+20.09%) Land $6,380 Building $89,550
2022	$1,522.00 Homeowner's exemption	$79,880 Land $6,380 Building $73,500
2021			$79,880 Land $6,380 Building $73,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Howard County (19089C), updated September 16, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`320013115020000`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Partial Baths	1 Partial Baths
Total Rooms	5 Rooms
Building Area	1,260 sqft Living Area
Basement Area	1,260 sqft Basement
Unfinished Basement	1,260 sqft Unfinished
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Composition/Composite Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	7,492 sqft (0.172 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	480 sqft Garage
Porch Area	32 sqft Porch

Utilities and HVAC

Cooling System	None Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Street Address	223 3RD ST SE
City	CRESCO
State	IA
Zip	52136-1817
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S 1/2 LOTS 15 & 16 BLK 31 CRESCO PLAT
Legal Subdivision	ORIGINAL PLAT OF CRESCO
Legal Block	31
Legal Lot Number	15 & 16
Jurisdiction	HOWARD IA
Minor Civil Division	VERNON SPRINGS
Census Blockgroup	1
Census Block	1113
Census Tract	960100