116 4th St, Garwin, IA 50632 Property Records

Tama County property record for 116 4th St, Garwin, IA 50632

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1946
Lot Size	0.112 acres (4,879 sqft)
Owner	Individual Name on Record
Last Sale	$30,000 (Jan 2013)
Tax Bill	$174 (2025)
Deeds & Mortgages	Mar 2019 Refinance Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09.11.429.001`

Property Details

APN / Parcel Number

Primary APN	`09.11.429.001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,879 sqft (0.112 acres)
Garage Type	Detached
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	116 4TH ST
City	GARWIN
State	IA
Zip	50632-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 65' LOT 4 BLK 3 HARD MAPLE
Legal Subdivision	HARD MAPLE
Legal Block	3
Legal Lot Number	4
Jurisdiction	TAMA IA
Township / Civil Division	CARLTON
Census Block Group	3
Census Block	3026
Census Tract	290300

Owner

Source: Tama County records, as of September 9, 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	116 4TH ST, GARWIN, IA 50632-9722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MIDWESTONE BANK
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWESTON BANK
Aug 12, 2025	Deed of Trust, Mortgage · Commercial Mortgage MIDWESTONE BANK
Jan 9, 2013	Deed of Trust, Mortgage · ARM MIDWESTONE BANK
Mar 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MIDWESTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2013 · Amount on Record
Deed Sale	Jan 9, 2013 · Amount on Record
Deed Document Number	201398
Deed Book / Page	910 / 444
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	116 4TH ST, GARWIN, IA 50632-9722
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020190469
Date	Mar 13, 2019
Instrument	2019-0469

Lender

Name	MIDWESTONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2029

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	116 4TH ST, GARWIN, IA 50632-9722
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201687
Date	Jul 8, 2020
Instrument	2020-1687

Lender

Name	MIDWESTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	116 4TH ST, GARWIN, IA 50632-9722
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020252102
Date	Aug 12, 2025
Instrument	2025-2102

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	CONRAD, IA 50621

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 10, 2035

January 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	116 4TH ST, GARWIN, IA 50632-9722
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000912/795
Date	Jan 9, 2013
Book Page	0912/795
Instrument	2013-0099

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	CONRAD, IA 50621

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Feb 1, 2023
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.62%
Index	1-Year T-Bill
Margin	3
Max Rate	9.62%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	116 4TH ST, GARWIN, IA 50632-9722
Transaction Type	Mortgage
Record Updated	Apr 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190469
Date	Mar 13, 2019
Instrument	2019-0469

Lender

Name	MIDWESTONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2029

Tax Assessment & Valuation

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	$174.00 Homeowner's exemption	$46,820 (-10.72%) Land $3,410 Building $43,410	$46,820 (-10.72%) Land $3,410 Building $43,410
2024		$52,440 (-) Land $3,410 Building $49,030
2023		$52,440 Land $3,410 Building $49,030	$52,440 Land $3,410 Building $49,030

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 62% of Iowa
Wildfire Likelihood	0.05% 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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