Hancock County property record for 1060 State St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,368 sqft · built 1900 |
| Lot Size | 0.222 acres (9,670 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,392 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2022 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 2103010022 |
| Primary APN | 2103010022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,368 sqft Living Area |
| 1st Floor Area | 1,004 sqft |
| Basement Area | 520 sqft |
| Finished Basement | 130 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,670 sqft (0.222 acres) |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 156 sqft |
| Patio Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1060 STATE ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARK S 1/2 LOT 2 & ALL LOT 3 BLK 1 |
| Legal Subdivision | PARK ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 270100 |
Source: Hancock County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1060 STATE ST, GARNER, IA 50438-1738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 18, 2024 | Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK AND TRUST CO |
| Jul 7, 2022 | Deed of Trust, Mortgage · Construction Mortgage CLEAR LAKE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1060 STATE ST, GARNER, IA 50438-1738 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1060 STATE ST, GARNER, IA 50438-1738 |
| Document Number | 0000240544 |
|---|---|
| Date | Apr 18, 2024 |
| Instrument | 24-0544 |
| Name | CLEAR LAKE BANK AND TRUST CO |
|---|---|
| Type | Bank |
| Address | CLEAR LAKE, IA 50428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 63 Months |
| Due | Jul 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1060 STATE ST, GARNER, IA 50438-1738 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000221413 |
|---|---|
| Date | Jul 7, 2022 |
| Instrument | 22-1413 |
| Name | CLEAR LAKE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 15, 2032 |
| Rate Type | Fixed Rate |
|---|
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 | $1,392.00 (+9.26%) Homeowner's exemption | $135,210 (+14.05%) Land $22,500 Building $112,710 | $135,210 (+14.05%) Land $22,500 Building $112,710 |
| 2024 | $1,274.00 (-2.08%) | ||
| 2023 | $118,550 (+32.19%) Land $13,130 Building $105,420 | $118,550 (+32.19%) Land $13,130 Building $105,420 | |
| 2022 | $1,301.00 Homeowner's exemption | $89,680 Land $13,130 Building $76,550 | |
| 2021 | $89,680 Land $13,130 Building $76,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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