Hancock County property record for 1090 State St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,360 sqft · built 1910 |
| Lot Size | 0.296 acres (12,894 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $194,000 (Nov 2020) |
| Tax Bill | $3,908 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2103010070 |
| Primary APN | 2103010070 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 2,360 sqft Living Area |
| 1st Floor Area | 1,596 sqft |
| Attic | Attic |
| Attic Area | 491 sqft |
| Basement Area | 819 sqft |
| Unfinished Basement | 1,071 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,894 sqft (0.296 acres) |
| Garage Type | Mixed |
| Garage Area | 1,550 sqft |
| Parking Spaces | 6 Parking Spaces |
| Deck Area | 236 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1090 STATE ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARK LOT 6 & 7 BLK 1 |
| Legal Subdivision | PARK ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 6&7 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1090 STATE ST, GARNER, IA 50438-1738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage RELIANCE STATE BANK |
| Sep 6, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2020 · Amount on Record |
| Deed Sale | Nov 19, 2020 · Amount on Record |
| Prior Sale | May 21, 2013 · Amount on Record |
| Deed Document Number | 20202517 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Nov 19, 2020 |
| Property Address | 1090 STATE ST, GARNER, IA 50438-1738 |
| Document Number | 0000202517 |
| Instrument Date | Nov 16, 2020 |
| Instrument | 20-2517 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $309.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1090 STATE ST, GARNER, IA 50438-1738 |
| Document Number | 0000202518 |
|---|---|
| Date | Nov 19, 2020 |
| Instrument | 20-2518 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Sep 6, 2017 |
| Property Address | 1090 STATE ST, GARNER, IA 50438-1738 |
| Document Number | 0000171614 |
| Instrument Date | Aug 5, 2017 |
| Instrument | 17-1614 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1090 STATE ST, GARNER, IA 50438-1738 |
| Document Number | 0000171615 |
|---|---|
| Date | Sep 6, 2017 |
| Instrument | 17-1615 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | BELMOND, IA 50421 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $3,908.00 (+2.41%) | $282,960 (+9.63%) Land $30,000 Building $252,960 | $282,960 (+9.63%) Land $30,000 Building $252,960 |
| 2024 | $3,816.00 (-3.47%) | ||
| 2023 | $258,100 (+9.26%) Land $17,500 Building $240,600 | $258,100 (+9.26%) Land $17,500 Building $240,600 | |
| 2022 | $3,953.00 | $236,230 Land $17,500 Building $218,730 | |
| 2021 | $236,230 Land $17,500 Building $218,730 |
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 | Low lower than 98% of the US · lower than 82% 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.
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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