4589 Young Ave, Cresco, IA 52136 Property Records

Howard County property record for 4589 Young Ave, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1979
Lot Size	3.7 acres (161,172 sqft)
Owner	2 Individual Names on File
Last Sale	$293,000 (May 2023)
Tax Bill	$2,360 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Dec 2020 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`010250131030000`

Property Details

APN / Parcel Number

Primary APN	`010250131030000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Basement Area	1,176 sqft
Finished Basement	525 sqft
Unfinished Basement	651 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	161,172 sqft (3.7 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Patio Area	240 sqft
Shed	1 Shed
Shed Area	600 sqft
Lean-To	240 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4589 YOUNG AVE
City	CRESCO
State	IA
Zip	52136-8067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 E 10 AC NE SW
Legal Range	11W
Legal Township	100
Legal Section	25
Legal Lot Number	1
Jurisdiction	HOWARD IA
Township / Civil Division	ALBION
Census Block Group	1
Census Block	1105
Census Tract	960200

Owner

4589 Young Ave is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
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
Mar 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Dec 17, 2008	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO
Jun 13, 2007	Deed of Trust, Mortgage · Conventional Mortgage FORTRESS BANK OF CRESCO
Dec 30, 2008	Deed of Trust, Mortgage · Conventional Mortgage CRESCO BANK & TRUST CO
Nov 2, 2016	Deed of Trust, Mortgage · Line of Credit CUSB BANK
Apr 23, 2007	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FINANCIAL GROUP MORTGAGE
Jan 26, 2023	Deed of Trust, Mortgage · Line of Credit CUSB BANK
May 31, 2023	Warranty Deed, Transfer · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023 · Amount on File
Deed Sale	May 31, 2023 · Amount on File
Deed Document Number	2023755
Deed Book / Page	2023 / 755
Prior Transfer Date	Jan 5, 2023
Prior Transfer Doc	0002023/36
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0338
Date	Mar 16, 2017
Book Page	2017/0338
Instrument	20170338

Lender

Name	CUSB BANK
Type	Non-Lending Institution
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2252
Date	Dec 14, 2020
Book Page	2020/2252
Instrument	2020 2252

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1769
Date	Oct 5, 2020
Book Page	2020/1769
Instrument	2020 1769

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02008/1241
Date	Dec 17, 2008
Book Page	2008/1241
Instrument	2008 1241

Lender

Name	DECORAH BANK & TRUST CO
Type	Non-Lending Institution
Address	DECORAH, IA 52101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2039

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00347/0224
Date	Jun 13, 2007
Book Page	347/0224
Instrument	2007 2073

Lender

Name	FORTRESS BANK OF CRESCO
Type	Non-Lending Institution
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	57 Months
Due	Mar 29, 2012

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02008/1360
Date	Dec 30, 2008
Book Page	2008/1360
Instrument	2008 1360

Lender

Name	CRESCO BANK & TRUST CO
Type	Non-Lending Institution
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 6, 2013

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02016/1556
Date	Nov 2, 2016
Book Page	2016/1556
Instrument	20161556

Lender

Name	CUSB BANK
Address	CRESCO, IA 52136

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00345/0052
Date	Apr 23, 2007
Book Page	345/0052
Instrument	2007 1742

Lender

Name	COMMUNITY FINANCIAL GROUP MORTGAGE
Type	Non-Lending Institution
Address	GRAFTON, WI 53024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2037

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/130
Date	Jan 26, 2023
Book Page	2023/130
Instrument	2023 0130

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	May 31, 2023
Property Address	4589 YOUNG AVE, CRESCO, IA 52136-8067
Document Number	002023/755
Book / Page	2023 / 755
Instrument Date	May 31, 2023
Instrument	2023 0755
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	$467.20
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	4589 YOUNG AVE, CRESCO, IA 52136-8067

Mortgage

Document Number	0020230756
Date	May 31, 2023
Instrument	2023 0756

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 4589 Young Ave was $2,360 with a homeowner's exemption.

Source: Howard County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Howard County
Unified School District	Howard-Winneshiek Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,360.00	$210,560 (-) Land $25,440 Building $185,120	$210,560 (-) Land $25,440 Building $185,120
2025	$2,360.00 (+6.5%) Homeowner's exemption	$210,560 Land $25,440 Building $185,120	$210,560 Land $25,440 Building $185,120
2024	$2,216.00
2023		$186,050 (+29.99%) Land $25,440 Building $160,610	$186,050 Land $25,440 Building $160,610
2022	$1,960.00 (+6.87%) Homeowner's exemption	$143,130 Land $19,050 Building $124,080
2021	$1,834.00		$143,130 Land $19,050 Building $124,080

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

Flood

FEMA maps place 4589 Young Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4589 Young Ave is low, with less than a 0.01% annual chance of 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Harmony Telephone Company Fixed Wireless	50 / 10
Windstream DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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