109 2nd St, Garwin, IA 50632 Property Records

Tama County property record for 109 2nd St, Garwin, IA 50632

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 907 sqft · built 1900
Lot Size	0.517 acres (22,521 sqft)
Owner	Individual Name on File
Last Sale	$47,000 (Aug 2023)
Tax Bill	$648 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09.11.402.006`

Property Details

APN / Parcel Number

Primary APN	`09.11.402.006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	907 sqft Living Area
Attic	Attic
Attic Area	177 sqft
Basement Area	253 sqft
Unfinished Basement	253 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	22,521 sqft (0.517 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	91 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	109 2ND ST
City	GARWIN
State	IA
Zip	50632-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 & N 16' LOT 6 BLK 1 DOBSON'S
Legal Subdivision	DOBSON'S
Legal Block	1
Legal Lot Number	5
Jurisdiction	TAMA IA
Township / Civil Division	CARLTON
Census Block Group	3
Census Block	3020
Census Tract	290300

Owner

109 2nd St is owned and occupied by an individual who bought it in August 2023.

Source: Tama County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	109 2ND ST, GARWIN, IA 50632-9714
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
Aug 1, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 3, 2022	Deed of Trust, Mortgage · Line of Credit WCF FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2023 · Amount on File
Deed Sale	Aug 1, 2023 · Amount on File
Prior Sale	Sep 30, 2022 · Amount on File
Deed Document Number	20231618
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Aug 1, 2023
Property Address	109 2ND ST, GARWIN, IA 50632-9714
Document Number	0020231618
Instrument Date	Jul 17, 2023
Instrument	2023-1618
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 2ND ST, GARWIN, IA 50632-9714

Mortgage

Document Number	0020231619
Date	Aug 1, 2023
Instrument	2023-1619

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	109 2ND ST, GARWIN, IA 50632-9714
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020222694
Date	Oct 3, 2022
Instrument	2022-2694

Lender

Name	WCF FINANCIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Sep 1, 2023

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 109 2nd St was $648.

Source: Tama County assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Tama County
Municipality	Garwin City
Unified School District	GMG Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$648.00	$35,950 Land $7,770 Building $28,180	$35,950 Land $7,770 Building $28,180
2023		$42,950 (+6.6%) Land $7,770 Building $35,180	$42,950 (+6.6%) Land $7,770 Building $35,180
2022		$40,290 Land $7,770 Building $32,520	$40,290 Land $7,770 Building $32,520

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

Flood

FEMA maps place 109 2nd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 109 2nd St is low, with a 0.03% 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	0.03% 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	GARWIN WATER SUPPLY serves 481 people · EPA ID IA8637079
Water Source	Purchased groundwater from IA REGIONAL UTILITIES ASSOC (WAVERLY)
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2021–2023) 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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