2806 Willow Ave, Cresco, IA 52136 Property Records

Howard County property record for 2806 Willow Ave, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 4,728 sqft · built 2021
Lot Size	5.84 acres (254,390 sqft)
Owner	2 Individual Names on File
Last Sale	$775,500 (Sep 2025)
Tax Bill	$8,338 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010140133020000`

Property Details

APN / Parcel Number

Primary APN	`010140133020000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,728 sqft Living Area
Basement Area	376 sqft
Unfinished Basement	376 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	254,390 sqft (5.84 acres)
Garage Type	Attached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Patio Area	176 sqft
Lean-To	240 sqft
Utility Building	936 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Street Address	2806 WILLOW AVE
City	CRESCO
State	IA
Zip	52136-8030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 SW SW & LOT 1 NW SW
Legal Range	11W
Legal Township	100
Legal Section	14
Legal Lot Number	1
Jurisdiction	HOWARD IA
Township / Civil Division	ALBION
Census Block Group	1
Census Block	1092
Census Tract	960200

Owner

2806 Willow Ave is owned by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3186 VICTORY AVE, CRESCO, IA 52136-8429
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 4, 2025	Deed of Trust, Mortgage · Line of Credit LUANA SAVINGS BANK
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Sep 13, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on File
Deed Sale	Sep 5, 2025 · Amount on File
Deed Document Number	20251267
Deed Book / Page	2025 / 1267
Prior Transfer Date	Aug 31, 2023
Prior Transfer Doc	02023/1332
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	2806 WILLOW AVE, CRESCO, IA 52136-8030
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/1268
Date	Sep 4, 2025
Book Page	2025/1268
Instrument	2025 1268

Lender

Name	LUANA SAVINGS BANK
Type	Bank
Address	NEW HAMPTON, IA 50659

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	2806 WILLOW AVE, CRESCO, IA 52136-8030
Transaction Type	Mortgage
Record Updated	Jan 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1633
Date	Aug 27, 2021
Book Page	2021/1633
Instrument	2021 01633

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	2806 WILLOW AVE, CRESCO, IA 52136-8030
Transaction Type	Mortgage
Record Updated	Jan 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1932
Date	Nov 2, 2020
Book Page	2020/1932
Instrument	2020 1932

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD IA
Recording Date	Sep 13, 2023
Property Address	2806 WILLOW AVE, CRESCO, IA 52136-8030
Document Number	02023/1332
Book / Page	2023 / 1332
Instrument Date	Aug 31, 2023
Instrument	2023 1332
Transaction Type	Transfer
Record Updated	Jan 11, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2806 WILLOW AVE, CRESCO, IA 52136-8030

Tax Assessment & Valuation

The 2026 property tax bill for 2806 Willow Ave was $8,338.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,338.00	$829,120 (+15.74%) Land $40,520 Building $788,600	$829,120 (+15.74%) Land $40,520 Building $788,600
2025	$8,338.00 (+3.84%)	$716,370 Land $40,520 Building $675,850	$716,370 Land $40,520 Building $675,850
2024	$8,030.00
2023		$657,020 (+41.11%) Land $40,520 Building $616,500	$657,020 Land $40,520 Building $616,500
2022	$6,940.00	$465,600 Land $3,230 Building $462,370
2021			$465,600 Land $3,230 Building $462,370

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

Flood

FEMA maps place 2806 Willow Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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.

Wildfire

Wildfire risk around 2806 Willow Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harmony Telephone Company Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G and 4G LTE (outdoors only)

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