Hancock County property record for 1320 State St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,980 sqft · built 1920 |
| Lot Size | 0.296 acres (12,894 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,896 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2103120020 |
| Primary APN | 2103120020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,980 sqft Living Area |
| 1st Floor Area | 1,298 sqft |
| Basement Area | 682 sqft |
| Finished Basement | 430 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Mansard |
| Roof Material | Asphalt |
| Lot Area | 12,894 sqft (0.296 acres) |
| Garage Type | Detached |
| Garage Area | 946 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 144 sqft |
| Patio Area | 570 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1320 STATE ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARK LOTS 1 & 2 BLK 12 |
| Legal Subdivision | PARK ADDITION |
| Legal Block | 12 |
| Legal Lot Number | 1&2 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1061 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1320 STATE ST, GARNER, IA 50438-1940 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Apr 26, 2018 | Deed of Trust, Mortgage QUICKEN LOAN INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1320 STATE ST, GARNER, IA 50438-1940 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1320 STATE ST, GARNER, IA 50438-1940 |
| Document Number | 0000231528 |
|---|---|
| Date | Aug 24, 2023 |
| Instrument | 23-1528 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1320 STATE ST, GARNER, IA 50438-1940 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000210512 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 21-0512 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1320 STATE ST, GARNER, IA 50438-1940 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2018 |
| Name | Verified Name |
|---|
| Document Number | 00000180731 |
|---|---|
| Date | Apr 26, 2018 |
| Instrument | 0000018-0731 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 177 Months |
| Due | Jan 1, 2033 |
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 | $2,896.00 (+5%) Homeowner's exemption | $220,480 (+12.11%) Land $30,000 Building $190,480 | $220,480 (+12.11%) Land $30,000 Building $190,480 |
| 2024 | $2,758.00 (-4.24%) | ||
| 2023 | $196,660 (+8.96%) Land $17,500 Building $179,160 | $196,660 (+8.96%) Land $17,500 Building $179,160 | |
| 2022 | $2,880.00 Homeowner's exemption | $180,490 Land $17,500 Building $162,990 | |
| 2021 | $180,490 Land $17,500 Building $162,990 |
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 98% of the US · lower than 82% 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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