Hancock County property record for 1245 Division St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,236 sqft · built 1975 |
| Lot Size | 0.599 acres (26,092 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Sep 2007) |
| Tax Bill | $4,552 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2108020070 |
| Primary APN | 2108020070 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,236 sqft Living Area |
| 1st Floor Area | 2,236 sqft |
| Basement Area | 2,236 sqft |
| Finished Basement | 630 sqft |
| Game Room | Game Room |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 26,092 sqft (0.599 acres) |
| Garage Type | Mixed |
| Garage Area | 1,080 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 384 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1245 DIVISION ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEYMOUR'S N 57' LOT 6 & W 277.99' OF S 33' LOT 7 BLK 2 |
| Legal Subdivision | SEYMOUR'S ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 270100 |
1245 Division St is owned and occupied by two individuals who bought it in September 2007.
Source: Hancock County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1245 DIVISION ST, GARNER, IA 50438-1905 |
| 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.
| Date | Document |
|---|---|
| Oct 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO |
| Aug 22, 2018 | Deed of Trust, Mortgage WELLS FARGO BANK NA |
| Aug 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2007 · Amount on File |
| Deed Sale | Sep 4, 2007 · Amount on File |
| Deed Document Number | 20071999 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1245 DIVISION ST, GARNER, IA 50438-1905 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000202288 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 20-2288 |
| Name | CLEAR LAKE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1245 DIVISION ST, GARNER, IA 50438-1905 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00000181607 |
|---|---|
| Date | Aug 22, 2018 |
| Instrument | 0000018-1607 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 173 Months |
| Due | Jan 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1245 DIVISION ST, GARNER, IA 50438-1905 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000211880 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | 21-1880 |
| Name | CLEAR LAKE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1245 Division St was $4,552 with a homeowner's exemption, up 2.1% from the year before.
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 | $4,552.00 (+2.06%) Homeowner's exemption | $340,370 Land $38,350 Building $302,020 | $340,370 Land $38,350 Building $302,020 |
| 2024 | $4,460.00 | ||
| 2023 | $311,480 (+8.68%) Land $27,400 Building $284,080 | $311,480 Land $27,400 Building $284,080 | |
| 2022 | $4,661.00 Homeowner's exemption | $286,590 Land $27,400 Building $259,190 | |
| 2021 | $286,590 Land $27,400 Building $259,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1245 Division St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 1245 Division St is low, with less than a 0.01% annual chance of wildfire.
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 | Direct burnable vegetation |
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 73 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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