Hancock County property record for 185 E Cardinal St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,800 sqft · built 2013 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (May 2017) |
| Tax Bill | $5,398 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2139000250 |
| Primary APN | 2139000250 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Basement Area | 1,800 sqft |
| Finished Basement | 1,320 sqft |
| Unfinished Basement | 1,800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 224 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 185 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 25 |
| Legal Subdivision | HEJLIK'S 2ND SUBDIVISION |
| Legal Lot Number | 25 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 270100 |
185 E Cardinal St is owned and occupied by two individuals who bought it in May 2017.
Source: Hancock County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 E CARDINAL ST, GARNER, IA 50438-8772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Jan 10, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 10, 2017 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2017 · Amount on File |
| Deed Sale | May 10, 2017 · Amount on File |
| Deed Document Number | 2017754 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 185 E CARDINAL ST, GARNER, IA 50438-8772 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000220096 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 22-0096 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | May 10, 2017 |
| Property Address | 185 E CARDINAL ST, GARNER, IA 50438-8772 |
| Document Number | 0000170754 |
| Instrument Date | May 1, 2017 |
| Instrument | 17-0754 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $447.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 185 E CARDINAL ST, GARNER, IA 50438-8772 |
| Document Number | 0000170755 |
|---|---|
| Date | May 10, 2017 |
| Instrument | 17-0755 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 185 E Cardinal St was $5,398 with a homeowner's exemption, down 1.8% 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 | $5,398.00 (-1.78%) Homeowner's exemption | $410,620 Land $44,000 Building $366,620 | $410,620 Land $44,000 Building $366,620 |
| 2024 | $5,496.00 | ||
| 2023 | $388,670 (+9.1%) Land $35,200 Building $353,470 | $388,670 Land $35,200 Building $353,470 | |
| 2022 | $5,755.00 Homeowner's exemption | $356,250 Land $35,200 Building $321,050 | |
| 2021 | $356,250 Land $35,200 Building $321,050 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 E Cardinal 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 185 E Cardinal 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 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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