314 4th Ave E, Cresco, IA 52136 Property Records

Howard County property record for 314 4th Ave E, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 986 sqft · built 1892
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Aug 2024)
Tax Bill	$526 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2019 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`320031615010000`

Property Details

APN / Parcel Number

Primary APN	`320031615010000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	986 sqft Living Area
Basement Area	432 sqft
Unfinished Basement	432 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	314 4TH AVE E
City	CRESCO
State	IA
Zip	52136-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 15 & 16 BLK 16BEADLE & STRONG ADDN
Legal Subdivision	BEADLE STRONG ADDN
Legal Block	16
Legal Lot Number	15 & 16
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	1
Census Block	1019
Census Tract	960100

Owner

314 4th Ave E is owned by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	221 4TH AVE W, CRESCO, IA 52136-1449
Owner Type	Individual
Vesting	Single

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 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUST COMPANY
Jul 17, 2019	Warranty Deed, Transfer · Stand-Alone Refinance CUSB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2024 · Amount on File
Deed Sale	Aug 12, 2024 · Amount on File
Prior Sale	Jul 17, 2019 · Amount on File
Deed Document Number	20241011
Deed Book / Page	2024 / 1011
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Recording Date	Jun 29, 2026
Property Address	314 4TH AVE E, CRESCO, IA 52136-1424
Document Number	0000000886
Book / Page	2026 / 886
Instrument Date	Jun 25, 2026
Instrument	2026886
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 4TH AVE E, CRESCO, IA 52136-1424

Mortgage

Document Number	0000000886,
Date	Jun 29, 2026
Book Page	2026/886
Instrument	2026886

Lender

Name	TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2056

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	Jul 17, 2019
Property Address	314 4TH AVE E, CRESCO, IA 52136-1424
Document Number	02019/1012
Book / Page	2019 / 1012
Instrument Date	Jul 17, 2019
Instrument	1012
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 4TH AVE E, CRESCO, IA 52136-1424

Mortgage

Document Number	02019/1013
Date	Jul 17, 2019
Book Page	2019/1013
Instrument	1013

Lender

Name	CUSB BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 314 4th Ave E was $526.

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	$526.00	$41,870 (-) Land $13,500 Building $28,370	$41,870 (-) Land $13,500 Building $28,370
2025	$526.00 (-25.71%)	$41,870 Land $13,500 Building $28,370	$41,870 Land $13,500 Building $28,370
2024	$708.00
2023		$38,400 (+13.51%) Land $13,500 Building $24,900	$38,400 Land $13,500 Building $24,900
2022	$726.00	$33,830 Land $13,500 Building $20,330
2021			$33,830 Land $13,500 Building $20,330

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

Flood

FEMA maps place 314 4th Ave E 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 314 4th Ave E 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 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	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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