Hancock County property record for 1270 Front St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,240 sqft · built 1978 |
| Lot Size | 0.732 acres (31,886 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,152 (2025) |
| Deeds & Mortgages | May 2026 Transfer Dec 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2108020031 |
| Primary APN | 2108020031 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,240 sqft Living Area |
| 1st Floor Area | 1,240 sqft |
| Basement Area | 1,240 sqft |
| Finished Basement | 600 sqft |
| Game Room | Game Room |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,886 sqft (0.732 acres) |
| Garage Type | Mixed |
| Garage Area | 1,304 sqft |
| Parking Spaces | 5 Parking Spaces |
| Deck Area | 400 sqft |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1270 FRONT ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEYMOUR'S N 147' EXC E 11O' OF S 107' OF N 147 LOT 3 BLK 2 |
| Legal Subdivision | SEYMOUR'S ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2032 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 465 STATE ST, GARNER, IA 50438-1334 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| May 1, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Sep 25, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Sep 11, 2018 | Deed of Trust, Mortgage QUICKEN LOAN INC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 30, 2026 |
| Transfer Doc | 0000000654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | May 1, 2026 |
| Property Address | 1270 FRONT ST, GARNER, IA 50438-1908 |
| Document Number | 0000000654 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026654 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 465 STATE ST, GARNER, IA 50438-1334 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1270 FRONT ST, GARNER, IA 50438-1908 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1270 FRONT ST, GARNER, IA 50438-1908 |
| Document Number | 0000252261 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 25-2261 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1270 FRONT ST, GARNER, IA 50438-1908 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000210767 |
|---|---|
| Date | Apr 9, 2021 |
| Instrument | 21-0767 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | May 1, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1270 FRONT ST, GARNER, IA 50438-1908 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2019 |
| Name | Verified Name |
|---|
| Document Number | 191653 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 19-1653 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1270 FRONT ST, GARNER, IA 50438-1908 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2018 |
| Name | Verified Name |
|---|
| Document Number | 00000181729 |
|---|---|
| Date | Sep 11, 2018 |
| Instrument | 0000018-1729 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 352 Months |
| Due | Jan 1, 2048 |
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 | $3,152.00 (+1.87%) Homeowner's exemption | $239,090 (+8.97%) Land $27,570 Building $211,520 | $239,090 (+8.97%) Land $27,570 Building $211,520 |
| 2024 | $3,094.00 (-4.12%) | ||
| 2023 | $219,410 (+9.72%) Land $19,690 Building $199,720 | $219,410 (+9.72%) Land $19,690 Building $199,720 | |
| 2022 | $3,227.00 Homeowner's exemption | $199,980 Land $19,690 Building $180,290 | |
| 2021 | $199,980 Land $19,690 Building $180,290 |
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 99.1% of the US · lower than 91% 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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