809 2nd St SE, Cresco, IA 52136 Property Records

Howard County property record for 809 2nd St SE, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,380 sqft · built 1898
Lot Size	0.853 acres (37,157 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Sep 2021)
Tax Bill	$1,392 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`320410043010000`

Property Details

APN / Parcel Number

Primary APN	`320410043010000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
Basement Area	600 sqft
Unfinished Basement	600 sqft
Flooring	Laminate Plank
Interior Walls	Plaster

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,157 sqft (0.853 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Shed	1 Shed
Lean-To	Lean-To

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	809 2ND ST SE
City	CRESCO
State	IA
Zip	52136-2001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 43 EX N 200' & W 136' LOT 45 IR SURV NW
Legal Range	11W
Legal Township	99N
Legal Section	26
Legal Subdivision	CRESCO CORP
Legal Lot Number	43 & 45
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	1
Census Block	1142
Census Tract	960100

Owner

809 2nd St SE is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	809 2ND ST SE, CRESCO, IA 52136-2001
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
Nov 10, 2025	Deed of Trust, Mortgage · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Nov 2, 2022	Deed of Trust, Mortgage · Line of Credit CUSB BANK
Sep 30, 2021	Warranty Deed, Transfer
Aug 20, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on File
Deed Sale	Sep 30, 2021 · Amount on File
Deed Document Number	20211845
Deed Book / Page	2021 / 1845
Prior Transfer Date	Aug 20, 2018
Prior Transfer Doc	02018/1257
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	809 2ND ST SE, CRESCO, IA 52136-2001
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 2ND ST SE, CRESCO, IA 52136-2001

Mortgage

Document Number	02025/1614
Date	Nov 10, 2025
Book Page	2025/1614
Instrument	2025 1614

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	809 2ND ST SE, CRESCO, IA 52136-2001
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1740
Date	Nov 2, 2022
Book Page	2022/1740
Instrument	20221740

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	Sep 30, 2021
Property Address	809 2ND ST SE, CRESCO, IA 52136-2001
Document Number	02021/1845
Book / Page	2021 / 1845
Instrument Date	Sep 27, 2021
Instrument	2021 01845
Transaction Type	Transfer
Record Updated	Jan 11, 2024

Transaction

Amount	Amount on Record
Tax	$71.20
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
Address	612 S ELM ST, CRESCO, IA 52136-2020

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD IA
Recording Date	Aug 20, 2018
Property Address	809 2ND ST SE, CRESCO, IA 52136-2001
Document Number	02018/1257
Book / Page	2018 / 1257
Instrument Date	Aug 20, 2018
Instrument	000000001257
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020, MINNEAPOLIS, MN 55416

Tax Assessment & Valuation

The 2026 property tax bill for 809 2nd St SE was $1,392 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	$1,392.00	$101,950 (-) Land $13,430 Building $88,520	$101,950 (-) Land $13,430 Building $88,520
2025	$1,392.00 (+3.88%) Homeowner's exemption	$101,950 Land $13,430 Building $88,520	$101,950 Land $13,430 Building $88,520
2024	$1,340.00
2023		$71,380 (+18.14%) Land $13,430 Building $57,950	$71,380 Land $13,430 Building $57,950
2022	$1,106.00 Homeowner's exemption	$60,420 Land $13,430 Building $46,990
2021			$60,420 Land $13,430 Building $46,990

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

Flood

FEMA maps place 809 2nd St SE 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 809 2nd St SE 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.

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 159 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 / 200
Windstream DSL · Fiber in parts of the area	200 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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