304 2nd St SW, Cresco, IA 52136 Property Records

Howard County property record for 304 2nd St SW, Cresco, IA 52136

Property Summary

Property Type	Commercial
Details	8,160 sqft · built 2021
Lot Size	0.461 acres (20,081 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Aug 2020)
Tax Bill	$1,394 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`321043710010000`

Property Details

APN / Parcel Number

Primary APN	`321043710010000`

Interior

Stories	1 Story
Building Area	8,160 sqft Gross Area
1st Floor Area	990 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	20,081 sqft (0.461 acres)

Location & Zoning

Street Address	304 2ND ST SW
City	CRESCO
State	IA
Zip	52136-1961
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	S 129 1/2 ' LOT 11 &E 25' LOT 10 BLK 37 BALDWINS ADDN
Legal Subdivision	BALDWINS ADDN
Legal Block	37
Legal Lot Number	10-11
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	1
Census Block	1111
Census Tract	960100

Owner

304 2nd St SW, a commercial property, is owned by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	114 3RD ST SW, CRESCO, IA 52136-1852
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2020 · Amount on File
Deed Sale	Aug 7, 2020 · Amount on File
Deed Document Number	20201323
Deed Book / Page	2020 / 1323
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	Aug 7, 2020
Property Address	304 2ND ST SW, CRESCO, IA 52136-1961
Document Number	02020/1323
Book / Page	2020 / 1323
Instrument Date	Aug 3, 2020
Instrument	2020 1323
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Relationship	Joint Tenants with Right of Survivorship
Address	114 3RD ST SW, CRESCO, IA 52136-1852

Mortgage

Document Number	0020201325
Date	Aug 7, 2020
Instrument	2020 1325

Lender

Name	CRESCO BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 304 2nd St SW was $1,394.

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	$1,394.00	$390,460 (+374.84%) Land $44,840 Building $345,620	$390,460 (+374.84%) Land $44,840 Building $345,620
2025	$1,394.00 (+68.77%)	$82,230 Land $44,840 Building $37,390	$82,230 Land $44,840 Building $37,390
2024	$826.00
2023		$44,840 (-88.22%) Land $44,840	$44,840 Land $44,840
2022	$11,965.00	$380,760 Land $33,630 Building $347,130
2021			$380,760 Land $33,630 Building $347,130

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

Flood

FEMA maps place 304 2nd St 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

Wildfire risk around 304 2nd St SW is low, with less than 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 214 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

May also be available: Nextlink, Verizon.

Nearby Properties on 2nd St SW

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