Hancock County property record for 165 E Cardinal St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,630 sqft · built 2007 |
| Lot Size | 0.267 acres (11,631 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,574 (2025) |
| Deeds & Mortgages | Oct 2026 Sale Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2139000260 |
| Primary APN | 2139000260 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,630 sqft Living Area |
| 1st Floor Area | 1,630 sqft |
| Basement Area | 1,630 sqft |
| Finished Basement | 1,230 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,631 sqft (0.267 acres) |
| Garage Type | Attached |
| Garage Area | 1,232 sqft |
| Parking Spaces | 5 Parking Spaces |
| Deck Area | 294 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 165 E CARDINAL ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-8772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEJLIK'S SECOND SUBDIVISION LOT 26 |
| Legal Subdivision | HEJLIK'S 2ND SUBDIVISION |
| Legal Lot Number | 26 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 270100 |
Source: Hancock County records, as of October 20, 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 | 165 E CARDINAL ST, GARNER, IA 50438-8772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Oct 5, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 5, 2026 |
| Transfer Doc | 0000001836 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Oct 5, 2026 |
| Property Address | 165 E CARDINAL ST, GARNER, IA 50438-8772 |
| Document Number | 0000001836 |
| Instrument Date | Oct 5, 2026 |
| Instrument | 20261836 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 165 E CARDINAL ST, GARNER, IA 50438-8772 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 165 E CARDINAL ST, GARNER, IA 50438-8772 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000202302 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 20-2302 |
| Name | CLEAR LAKE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 1, 2030 |
| Rate Type | Fixed Rate |
|---|
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 | $4,574.00 (+0.13%) Homeowner's exemption | $365,610 (+7.15%) Land $44,000 Building $321,610 | $365,610 (+7.15%) Land $44,000 Building $321,610 |
| 2024 | $4,568.00 (-9.6%) | ||
| 2023 | $341,220 (+8.57%) Land $35,200 Building $306,020 | $341,220 (+8.57%) Land $35,200 Building $306,020 | |
| 2022 | $5,053.00 Homeowner's exemption | $314,280 Land $35,200 Building $279,080 | |
| 2021 | $314,280 Land $35,200 Building $279,080 |
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 | Not rated no burnable land within 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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