Hancock County property record for 180 E Cardinal St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,657 sqft · built 2006 |
| Lot Size | 0.267 acres (11,631 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $207,500 (Jun 2015) |
| Tax Bill | $4,434 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2139000160 |
| Primary APN | 2139000160 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,657 sqft Living Area |
| 1st Floor Area | 1,657 sqft |
| Basement Area | 1,628 sqft |
| Finished Basement | 1,140 sqft |
| Unfinished Basement | 1,628 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,631 sqft (0.267 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 332 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 180 E CARDINAL ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-8764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEJLIK'S SECOND SUBDIVISION LOT 16 |
| Legal Subdivision | HEJLIK'S 2ND SUBDIVISION |
| Legal Lot Number | 16 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1069 |
| 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 | 180 E CARDINAL ST, GARNER, IA 50438-8764 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2015 · Amount on Record |
| Deed Sale | Jun 18, 2015 · Amount on Record |
| Prior Sale | Jul 2, 2009 · Amount on Record |
| Deed Document Number | 20151106 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Apr 2, 2026 |
| Property Address | 180 E CARDINAL ST, GARNER, IA 50438-8764 |
| Document Number | 0000000499 |
| Instrument Date | Mar 28, 2026 |
| Instrument | 2026499 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 180 E CARDINAL ST, GARNER, IA 50438-8764 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000499, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 2026499 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 15, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $4,434.00 (+0.18%) Homeowner's exemption | $346,450 (+7.2%) Land $44,000 Building $302,450 | $346,450 (+7.2%) Land $44,000 Building $302,450 |
| 2024 | $4,426.00 (-8.57%) | ||
| 2023 | $323,180 (+8.48%) Land $35,200 Building $287,980 | $323,180 (+8.48%) Land $35,200 Building $287,980 | |
| 2022 | $4,841.00 Homeowner's exemption | $297,920 Land $35,200 Building $262,720 | |
| 2021 | $297,920 Land $35,200 Building $262,720 |
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 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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