120 5th St, Garwin, IA 50632 Property Records

Tama County property record for 120 5th St, Garwin, IA 50632

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,176 sqft · built 1977
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$129,000 (Jun 2022)
Tax Bill	$1,630 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09.11.430.002`

Property Details

APN / Parcel Number

Primary APN	`09.11.430.002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,238 sqft (0.258 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	176 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	120 5TH ST
City	GARWIN
State	IA
Zip	50632-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 4 HARD MAPLE
Legal Subdivision	HARD MAPLE
Legal Block	4
Legal Lot Number	5
Jurisdiction	TAMA IA
Township / Civil Division	CARLTON
Census Block Group	3
Census Block	3025
Census Tract	290300

Owner

120 5th St is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	120 5TH ST, GARWIN, IA 50632-9725
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
Jun 30, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK & TRUST CO
Jan 15, 2021	Warranty Deed, Transfer · Conventional Mortgage GNB BANK
Nov 19, 2008	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on File
Deed Sale	Jun 30, 2022 · Amount on File
Deed Document Number	20221785
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Jun 30, 2022
Property Address	120 5TH ST, GARWIN, IA 50632-9725
Document Number	0020221785
Instrument Date	Jun 27, 2022
Instrument	2022-1785
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 5TH ST, GARWIN, IA 50632-9725

Mortgage

Document Number	0020221786
Date	Jun 30, 2022
Instrument	2022-1786

Lender

Name	UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.87%
Index	5-Year CMT
Margin	4

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Jan 15, 2021
Property Address	120 5TH ST, GARWIN, IA 50632-9725
Document Number	0020210151
Instrument Date	Jan 15, 2021
Instrument	2021-0151
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 5TH ST, GARWIN, IA 50632-9725

Mortgage

Document Number	0020210152
Date	Jan 15, 2021
Instrument	2021-0152

Lender

Name	GNB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate

November 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Nov 19, 2008
Property Address	120 5TH ST, GARWIN, IA 50632-9725
Document Number	000840/160
Book / Page	0840 / 160
Instrument Date	Nov 13, 2008
Instrument	2008-3482
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$43.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7, GARWIN, IA 50632
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 120 5th St was $1,630.

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	$1,630.00	$90,350 Land $5,630 Building $84,720	$90,350 Land $5,630 Building $84,720
2023		$100,190 Land $5,630 Building $94,560	$100,190 Land $5,630 Building $94,560

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

Flood

FEMA maps place 120 5th 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 120 5th St is low, with a 0.05% annual chance of 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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