403 Vernon Rd, Cresco, IA 52136 Property Records

Howard County property record for 403 Vernon Rd, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,248 sqft · built 1971
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,320 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`320440022030000`

Property Details

APN / Parcel Number

Primary APN	`320440022030000`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Basement Area	1,248 sqft
Finished Basement	900 sqft
Unfinished Basement	348 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Detached
Garage Area	536 sqft
Parking Spaces	2 Parking Spaces
Deck Area	72 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Street Address	403 VERNON RD
City	CRESCO
State	IA
Zip	52136-1938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 115' LOT 22 IR SURV E 1/2 NE
Legal Range	11W
Legal Township	99N
Legal Section	27
Legal Lot Number	22
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	1
Census Block	1136
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 VERNON RD, CRESCO, IA 52136-1938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Line of Credit CUSB BANK
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Aug 16, 2017	Deed of Trust, Mortgage · Line of Credit CUSB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Recording Date	Jun 1, 2026
Property Address	403 VERNON RD, CRESCO, IA 52136-1938
Document Number	0000000734
Book / Page	2026 / 734
Instrument Date	May 27, 2026
Instrument	2026734
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 VERNON RD, CRESCO, IA 52136-1938

Mortgage

Document Number	0000000734,
Date	Jun 1, 2026
Book Page	2026/734
Instrument	2026734

Lender

Name	CUSB BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	403 VERNON RD, CRESCO, IA 52136-1938
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/438
Date	Mar 8, 2021
Book Page	2021/438
Instrument	2021 0438

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	403 VERNON RD, CRESCO, IA 52136-1938
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1252
Date	Aug 16, 2017
Book Page	2017/1252
Instrument	2017 1252

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

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	$2,320.00	$136,810 (-) Land $6,800 Building $130,010	$136,810 (-) Land $6,800 Building $130,010
2025	$2,320.00 (+3.2%)	$136,810 (+12.11%) Land $6,800 Building $130,010	$136,810 (+12.11%) Land $6,800 Building $130,010
2024	$2,248.00 (+3.21%)
2023		$122,030 (+20.1%) Land $6,800 Building $115,230	$122,030 (+20.1%) Land $6,800 Building $115,230
2022	$2,178.00	$101,610 Land $6,800 Building $94,810
2021			$101,610 Land $6,800 Building $94,810

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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