Hancock County property record for 1290 Front St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 1 ba · 1,394 sqft · built 1920 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $140,000 (Sep 2024) |
| Tax Bill | $1,846 (2025) |
| Deeds & Mortgages | Mar 2013 Mortgage Feb 2007 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2108020032 |
| Primary APN | 2108020032 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,394 sqft Living Area |
| 1st Floor Area | 767 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 64 sqft |
| Shed | 1 Shed |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1290 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 W 186.9' & EXC N 40' 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 |
1290 Front St is owned by a company that bought it in September 2024.
Source: Hancock County records, as of September 1, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 1263 CROWN ST, GARNER, IA 50438-8766 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Mar 28, 2013 | Deed of Trust, Mortgage VERIDIAN CU |
| Feb 13, 2007 | Deed of Trust, Mortgage CITIFINANCIAL INC |
| Jan 13, 2006 | Deed of Trust, Mortgage OLD REPUBLIC FAC |
| Nov 15, 2021 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2024 · Amount on File |
| Deed Sale | Sep 6, 2024 · Amount on File |
| Prior Sale | Nov 15, 2021 · Amount on File |
| Deed Document Number | 20241460 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1290 FRONT ST, GARNER, IA 50438-1908 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000130594 |
|---|---|
| Date | Mar 28, 2013 |
| Instrument | 13-0594 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Mar 25, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1290 FRONT ST, GARNER, IA 50438-1908 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000070291 |
|---|---|
| Date | Feb 13, 2007 |
| Instrument | 07-0291 |
| Name | CITIFINANCIAL INC |
|---|---|
| Type | Subprime Lender |
| Address | MASON CITY, IA 50401 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Feb 13, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1290 FRONT ST, GARNER, IA 50438-1908 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000060112 |
|---|---|
| Date | Jan 13, 2006 |
| Instrument | 06-0112 |
| Name | OLD REPUBLIC FAC |
|---|---|
| Address | HARWOOD HEIGHTS, IL 60706 |
| Amount | Amount on Record |
|---|---|
| Term | 58 Months |
| Due | Nov 21, 2010 |
| Rate | 12% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Nov 15, 2021 |
| Property Address | 1290 FRONT ST, GARNER, IA 50438-1908 |
| Document Number | 0000212648 |
| Instrument Date | Nov 10, 2021 |
| Instrument | 21-2648 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1290 FRONT ST, GARNER, IA 50438-1908 |
| Document Number | 0000212649 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 21-2649 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1290 Front St was $1,846, up 16.4% 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 | $1,846.00 (+16.39%) | $133,660 Land $35,200 Building $98,460 | $133,660 Land $35,200 Building $98,460 |
| 2024 | $1,586.00 | ||
| 2023 | $117,520 (+7.25%) Land $25,150 Building $92,370 | $117,520 Land $25,150 Building $92,370 | |
| 2022 | $1,696.00 Homeowner's exemption | $109,580 Land $25,150 Building $84,430 | |
| 2021 | $109,580 Land $25,150 Building $84,430 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1290 Front 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 1290 Front 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 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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