403 3rd St SE, Cresco, IA 52136 Property Records

Howard County property record for 403 3rd St SE, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 660 sqft · built 1898
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (May 2026)
Tax Bill	$466 (2026)
Deeds & Mortgages	May 2026 Sale Jan 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`320370501010000`

Property Details

APN / Parcel Number

Primary APN	`320370501010000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	660 sqft Living Area
Basement Area	238 sqft
Unfinished Basement	238 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	403 3RD ST SE
City	CRESCO
State	IA
Zip	52136-2027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 100' LOTS 1, 2 & 3BLK 5 BEADLES ADDN
Legal Subdivision	BEADLES ADDN
Legal Block	5
Legal Lot Number	1
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	2
Census Block	2006
Census Tract	960100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	403 3RD ST SE, CRESCO, IA 52136-2027
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 28, 2026	Deed of Trust, Mortgage · Line of Credit CUSB BANK
May 10, 2022	Warranty Deed, Transfer · Conventional Mortgage CUSB BANK
Aug 24, 2017	Warranty Deed, Transfer · Commercial Mortgage CUSB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2026 · Amount on File
Deed Sale	May 22, 2026 · Amount on File
Prior Sale	May 10, 2022 · Amount on File
Deed Document Number	2026682
Deed Book / Page	2026 / 682
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	May 22, 2026
Property Address	403 3RD ST SE, CRESCO, IA 52136-2027
Document Number	0000000682
Book / Page	2026 / 682
Instrument Date	May 18, 2026
Instrument	2026682
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$17,695.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 3RD ST SE, CRESCO, IA 52136-2027

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	403 3RD ST SE, CRESCO, IA 52136-2027
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 3RD ST SE, CRESCO, IA 52136-2027

Mortgage

Document Number	002026/150
Date	Jan 28, 2026
Book Page	2026/150
Instrument	2026 150

Lender

Name	CUSB BANK
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	May 10, 2022
Property Address	403 3RD ST SE, CRESCO, IA 52136-2027
Document Number	002022/730
Book / Page	2022 / 730
Instrument Date	May 8, 2022
Instrument	2022 0730
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
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	403 3RD ST SE, CRESCO, IA 52136-2027

Mortgage

Document Number	002022/731
Date	May 10, 2022
Book Page	2022/731
Instrument	2022 0731

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	Aug 24, 2017
Property Address	403 3RD ST SE, CRESCO, IA 52136-2027
Document Number	02017/1284
Book / Page	2017 / 1284
Instrument Date	Aug 3, 2017
Instrument	2017 1284
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1521 DURAND CT SE, ROCHESTER, MN 55904-3213

Mortgage

Document Number	02017/1285
Date	Aug 24, 2017
Book Page	2017/1285
Instrument	2017 1285

Lender

Name	CUSB BANK
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

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	$466.00	$61,990 (-) Land $10,000 Building $51,990	$61,990 (-) Land $10,000 Building $51,990
2025	$466.00 (+9.91%) Homeowner's exemption	$61,990 (+12.32%) Land $10,000 Building $51,990	$61,990 (+12.32%) Land $10,000 Building $51,990
2024	$424.00 (-27.89%)
2023		$55,190 (+51.87%) Land $10,000 Building $45,190	$55,190 (+51.87%) Land $10,000 Building $45,190
2022	$588.00 Homeowner's exemption	$36,340 Land $10,000 Building $26,340
2021			$36,340 Land $10,000 Building $26,340

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 390 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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