Hancock County property record for 1390 State St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,463 sqft · built 1935 |
| Lot Size | 0.542 acres (23,610 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $143,500 (Dec 2018) |
| Tax Bill | $3,586 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Aug 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2103120070 |
| Primary APN | 2103120070 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,463 sqft Living Area |
| 1st Floor Area | 1,840 sqft |
| Attic | Attic |
| Attic Area | 505 sqft |
| Basement Area | 689 sqft |
| Unfinished Basement | 689 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,610 sqft (0.542 acres) |
| Garage Type | Detached |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 42 sqft |
| Deck Area | 120 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1390 STATE ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARK ALL LOTS 5,6,7 & 8 BLK 12 |
| Legal Subdivision | PARK ADDITION |
| Legal Block | 12 |
| Legal Lot Number | 5,6,7&8 |
| 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 | 1390 STATE ST, GARNER, IA 50438-1940 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jan 16, 2024 | Deed of Trust, Mortgage · Line of Credit RELIANCE STATE BANK |
| Aug 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK |
| Aug 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK |
| Oct 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK |
| Jan 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK |
| Dec 21, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage CLEAR LAKE BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2018 · Amount on Record |
| Deed Sale | Dec 21, 2018 · Amount on Record |
| Deed Document Number | 20182419 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1390 STATE ST, GARNER, IA 50438-1940 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1390 STATE ST, GARNER, IA 50438-1940 |
| Investor | Possibly a Property Investor |
| Document Number | 0000240053 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 24-0053 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Address | GARNER, IA 50438 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 21, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1390 STATE ST, GARNER, IA 50438-1940 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000231424 |
|---|---|
| Date | Aug 7, 2023 |
| Instrument | 23-1424 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Address | GARNER, IA 50438 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1390 STATE ST, GARNER, IA 50438-1940 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000221614 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 22-1614 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1390 STATE ST, GARNER, IA 50438-1940 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000202252 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 20-2252 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 1390 STATE ST, GARNER, IA 50438-1940 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000220167 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 22-0167 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Dec 21, 2018 |
| Property Address | 1390 STATE ST, GARNER, IA 50438-1940 |
| Document Number | 182419 |
| Instrument Date | Dec 20, 2018 |
| Instrument | 18-2419 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1390 STATE ST, GARNER, IA 50438-1940 |
| Investor | Possibly a Property Investor |
| Document Number | 0000182420 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 18-2420 |
| Name | CLEAR LAKE BANK & TRUST |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jan 1, 2024 |
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 | $3,586.00 (+5.41%) Homeowner's exemption | $279,470 (+11.19%) Land $41,180 Building $238,290 | $279,470 (+11.19%) Land $41,180 Building $238,290 |
| 2024 | $3,402.00 (-7.85%) | ||
| 2023 | $251,350 (+8.52%) Land $24,020 Building $227,330 | $251,350 (+8.52%) Land $24,020 Building $227,330 | |
| 2022 | $3,692.00 Homeowner's exemption | $231,620 Land $24,020 Building $207,600 | |
| 2021 | $231,620 Land $24,020 Building $207,600 |
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 96% of the US · lower than 71% 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 142 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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