704 Vernon Rd, Cresco, IA 52136 Property Records

Howard County property record for 704 Vernon Rd, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,186 sqft · built 1908
Lot Size	9.23 acres (402,059 sqft)
Owner	Individual Name on File
Tax Bill	$3,422 (2026)
Deeds & Mortgages	Jan 2020 Refinance Mar 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`320460002010000`

Property Details

APN / Parcel Number

Primary APN	`320460002010000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,186 sqft Living Area
Attic	Attic
Attic Area	451 sqft
Basement Area	820 sqft
Unfinished Basement	820 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	402,059 sqft (9.23 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Utility Building	1,196 sqft
Pole Barn	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	704 VERNON RD
City	CRESCO
State	IA
Zip	52136-1945
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 EX APPROX 1/2 AC IN NW CORNER IR SURV SW NE
Legal Range	11W
Legal Township	99N
Legal Section	27
Legal Lot Number	2
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	2
Census Block	2010
Census Tract	960100

Owner

704 Vernon Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	704 VERNON RD, CRESCO, IA 52136-1945
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 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CUSB BANK
Mar 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CUSB BANK
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Nov 16, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	704 VERNON RD, CRESCO, IA 52136-1945
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/142
Date	Jan 28, 2020
Book Page	2020/142
Instrument	142

Lender

Name	CUSB BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2035

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	704 VERNON RD, CRESCO, IA 52136-1945
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/404
Date	Mar 24, 2020
Book Page	2020/404
Instrument	404

Lender

Name	CUSB BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	704 VERNON RD, CRESCO, IA 52136-1945
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1881
Date	Oct 27, 2020
Book Page	2020/1881
Instrument	2020 1881

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	168 Months
Due	Nov 1, 2034

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	704 VERNON RD, CRESCO, IA 52136-1945
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/464
Date	Mar 10, 2021
Book Page	2021/464
Instrument	2021 0464

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD IA
Recording Date	Nov 16, 2021
Property Address	704 VERNON RD, CRESCO, IA 52136-1945
Document Number	02021/2095
Book / Page	2021 / 2095
Instrument Date	Nov 16, 2021
Instrument	2021 02095
Transaction Type	Transfer
Record Updated	Jun 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 VERNON RD, CRESCO, IA 52136-1945

Tax Assessment & Valuation

The 2026 property tax bill for 704 Vernon Rd was $3,422 with a homeowner's exemption.

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	$3,422.00	$212,670 (-) Land $45,580 Building $167,090	$212,670 (-) Land $45,580 Building $167,090
2025	$3,422.00 (+1.18%) Homeowner's exemption	$212,670 Land $45,580 Building $167,090	$212,670 Land $45,580 Building $167,090
2024	$3,382.00
2023		$193,790 (+60.22%) Land $45,580 Building $148,210	$193,790 Land $45,580 Building $148,210
2022	$2,404.00 Homeowner's exemption Additional exemption filed	$120,950 Land $45,580 Building $75,370
2021			$120,950 Land $45,580 Building $75,370

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

Flood

FEMA maps place 704 Vernon Rd 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

Wildfire risk around 704 Vernon Rd 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 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100
GigFire Fixed Wireless	150 / 130

May also be available: Harmony Telephone Company, Verizon.

Nearby Properties on Vernon Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures