Hancock County property record for 1040 State St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 930 sqft · built 1990 |
| Lot Size | 0.222 acres (9,670 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $616 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 2103010020 |
| Primary APN | 2103010020 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 930 sqft Living Area |
| 1st Floor Area | 930 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,670 sqft (0.222 acres) |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1040 STATE ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARK UNIT 1040 LOT 1 & N 1/2 LOT 2 BLK 1 |
| Legal Subdivision | PARK ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 270100 |
1040 State St is owned and occupied by an individual who acquired it in February 2007.
Source: Hancock County records, as of September 1, 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 | Individual Name on File |
|---|---|
| Mailing Address | 1040 STATE ST, GARNER, IA 50438-1738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 27, 2007 |
| Transfer Doc | 0000000566 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1040 State St was $616 with a homeowner's exemption, up 4.4% from the year before.
Source: Hancock County assessment roll, as of September 29, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Hancock County |
| Municipality | Garner City |
| Unified School District | Garner-Hayfield-Ventura Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $616.00 (+4.41%) Homeowner's exemption | $117,060 Land $16,930 Building $100,130 | $117,060 Land $16,930 Building $100,130 |
| 2024 | $590.00 | ||
| 2023 | $107,410 (+8.52%) Land $13,300 Building $94,110 | $107,410 Land $13,300 Building $94,110 | |
| 2022 | $961.00 Homeowner's exemption | $98,980 Land $13,300 Building $85,680 | |
| 2021 | $98,980 Land $13,300 Building $85,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1040 State St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 26, 2022
| 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.
The area around 1040 State 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARNER WATER WORKS serves 3,065 people · EPA ID IA4130075 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 411 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Comm 1 Connects Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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