319 3rd St SW, Cresco, IA 52136 Property Records

Howard County property record for 319 3rd St SW, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,160 sqft · built 1956
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Feb 2023)
Tax Bill	$2,034 (2026)
Deeds & Mortgages	Jan 2012 Mortgage Jan 2012 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`320013811020000`

Property Details

APN / Parcel Number

Primary APN	`320013811020000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,160 sqft Living Area
Basement Area	1,160 sqft
Finished Basement	600 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Metal
Lot Area	8,625 sqft (0.198 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	319 3RD ST SW
City	CRESCO
State	IA
Zip	52136-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 LOTS 11, 12 & N 1/2 W 6' LOT 10 BLK 38 CRESCO PLAT
Legal Block	38
Legal Lot Number	10 & 11
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	1
Census Block	1128
Census Tract	960100

Owner

319 3rd St SW is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	319 3RD ST SW, CRESCO, IA 52136-1901
Occupancy	Owner Occupied
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

Date	Document
Jan 31, 2012	Deed of Trust, Mortgage · Conventional Mortgage C US BANK
Jan 31, 2012	Deed of Trust, Mortgage · Conventional Mortgage C US BANK
Feb 21, 2023	Warranty Deed, Transfer · Conventional Mortgage CUSB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2023 · Amount on File
Deed Sale	Feb 21, 2023 · Amount on File
Deed Document Number	2023225
Deed Book / Page	2023 / 225
Record Updated	Oct 29, 2026

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	319 3RD ST SW, CRESCO, IA 52136-1901
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/0188
Date	Jan 31, 2012
Book Page	2012/0188
Instrument	2012 0188

Lender

Name	C US BANK
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2027

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	319 3RD ST SW, CRESCO, IA 52136-1901
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/0189
Date	Jan 31, 2012
Book Page	2012/0189
Instrument	2012 0189

Lender

Name	C US BANK
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	Feb 21, 2023
Property Address	319 3RD ST SW, CRESCO, IA 52136-1901
Document Number	002023/225
Book / Page	2023 / 225
Instrument Date	Feb 17, 2023
Instrument	2023 0225
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 3RD ST SW, CRESCO, IA 52136-1901

Mortgage

Document Number	0020230226
Date	Feb 21, 2023
Instrument	2023 0226

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 319 3rd St SW was $2,034.

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	$2,034.00	$119,990 (-) Land $6,830 Building $113,160	$119,990 (-) Land $6,830 Building $113,160
2025	$2,034.00 (+3.35%)	$119,990 Land $6,830 Building $113,160	$119,990 Land $6,830 Building $113,160
2024	$1,968.00
2023		$106,880 (+20.25%) Land $6,830 Building $100,050	$106,880 Land $6,830 Building $100,050
2022	$1,716.00 Homeowner's exemption	$88,880 Land $6,830 Building $82,050
2021			$88,880 Land $6,830 Building $82,050

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

Flood

FEMA maps place 319 3rd 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

The area around 319 3rd St SW 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 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.

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