321 3rd St SW, Cresco, IA 52136 Property Records

Howard County property record for 321 3rd St SW, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,244 sqft · built 1959
Lot Size	0.197 acres (8,581 sqft)
Owner	Individual Name on Record
Last Sale	$84,900 (Feb 2017)
Tax Bill	$1,844 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`320013811010000`

Property Details

APN / Parcel Number

Primary APN	`320013811010000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
Basement Area	936 sqft
Finished Basement	936 sqft
Game Room	Game Room
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,581 sqft (0.197 acres)
Garage Type	Detached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	32 sqft
Deck Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	321 3RD ST SW
City	CRESCO
State	IA
Zip	52136-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 LOTS 11 & 12 &S 1/2 W 6' LOT 10 BLK 38 CRESCO PLAT
Legal Block	38
Legal Lot Number	10-12
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	1
Census Block	1128
Census Tract	960100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	321 3RD ST SW, CRESCO, IA 52136-1901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2023	Deed of Trust, Mortgage · Line of Credit CUSB BANK
Feb 10, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2017 · Amount on Record
Deed Sale	Feb 10, 2017 · Amount on Record
Deed Document Number	2017208
Deed Book / Page	2017 / 208
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	321 3RD ST SW, CRESCO, IA 52136-1901
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 3RD ST SW, CRESCO, IA 52136-1901

Mortgage

Document Number	02023/1747
Date	Nov 21, 2023
Book Page	2023/1747
Instrument	2023 1747

Lender

Name	CUSB BANK
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	Feb 10, 2017
Property Address	321 3RD ST SW, CRESCO, IA 52136-1901
Document Number	2017/0208
Book / Page	2017 / 0208
Instrument Date	Feb 10, 2017
Instrument	2017 0208
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Tax	$135.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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	$1,844.00	$119,680 (-) Land $6,750 Building $112,930	$119,680 (-) Land $6,750 Building $112,930
2025	$1,844.00 (+3.6%) Homeowner's exemption	$119,680 (+12.03%) Land $6,750 Building $112,930	$119,680 (+12.03%) Land $6,750 Building $112,930
2024	$1,780.00 (+3.61%)
2023		$106,830 (+20.01%) Land $6,750 Building $100,080	$106,830 (+20.01%) Land $6,750 Building $100,080
2022	$1,718.00 Homeowner's exemption	$89,020 Land $6,750 Building $82,270
2021			$89,020 Land $6,750 Building $82,270

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

Flood

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

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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