922 Prospect St, Cresco, IA 52136 Property Records

Howard County property record for 922 Prospect St, Cresco, IA 52136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,524 sqft · built 1977
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Aug 2019)
Tax Bill	$3,198 (2026)
Deeds & Mortgages	Nov 2017 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`320570101010000`

Property Details

APN / Parcel Number

Primary APN	`320570101010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
Basement Area	1,084 sqft
Unfinished Basement	1,524 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,365 sqft (0.215 acres)
Garage Type	Attached
Garage Area	892 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	36 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	922 PROSPECT ST
City	CRESCO
State	IA
Zip	52136-1080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 & S 7' LOT 2 BLK 1 ASPENSONS SUBD
Legal Subdivision	ASPENSONS SUBD
Legal Block	1
Legal Lot Number	1-2
Jurisdiction	HOWARD IA
Township / Civil Division	VERNON SPRINGS
Census Block Group	3
Census Block	3006
Census Tract	960100

Owner

922 Prospect St is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	922 PROSPECT ST, CRESCO, IA 52136-1080
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 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage CRESCO BANK & TRUST CO
Aug 29, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FIDELITY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2019 · Amount on File
Deed Sale	Aug 29, 2019 · Amount on File
Prior Sale	Jun 10, 2015 · Amount on File
Deed Document Number	20191248
Deed Book / Page	2019 / 1248
Prior Transfer Date	Jan 2, 2014
Prior Transfer Doc	02014/0020
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD IA
Property Address	922 PROSPECT ST, CRESCO, IA 52136-1080
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1758
Date	Nov 9, 2017
Book Page	2017/1758
Instrument	2017 1758

Lender

Name	CRESCO BANK & TRUST CO
Type	Bank
Address	CRESCO, IA 52136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 8, 2022

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD IA
Recording Date	Aug 29, 2019
Property Address	922 PROSPECT ST, CRESCO, IA 52136-1080
Document Number	02019/1248
Book / Page	2019 / 1248
Instrument Date	Aug 16, 2019
Instrument	1248
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 PROSPECT ST, CRESCO, IA 52136-1080
Investor	Possibly a Property Investor

Mortgage

Document Number	02019/1249
Date	Aug 29, 2019
Book Page	2019/1249
Instrument	1249

Lender

Name	FIDELITY BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 922 Prospect St was $3,198.

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	$3,198.00	$188,540 (-) Land $17,020 Building $171,520	$188,540 (-) Land $17,020 Building $171,520
2025	$3,198.00 (+3.29%)	$188,540 Land $17,020 Building $171,520	$188,540 Land $17,020 Building $171,520
2024	$3,096.00
2023		$168,130 (+19.64%) Land $17,020 Building $151,110	$168,130 Land $17,020 Building $151,110
2022	$3,014.00	$140,530 Land $17,020 Building $123,510
2021			$140,530 Land $17,020 Building $123,510

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

Flood

FEMA maps place 922 Prospect St 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

The area around 922 Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.

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

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

May also be available: Nextlink, Verizon, Windstream.

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