195 W 4th St, Garner, IA 50438 Property Records

Hancock County property record for 195 W 4th St, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,596 sqft · built 1949
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Oct 2021)
Tax Bill	$2,728 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2101320040`

Property Details

APN / Parcel Number

Primary APN	`2101320040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	1,596 sqft
Basement Area	798 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1964
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	1,352 sqft
Parking Spaces	5 Parking Spaces
Deck Area	64 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	195 W 4TH ST
City	GARNER
State	IA
Zip	50438-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LOT 4 BLK 32
Legal Subdivision	GARNER
Legal Block	32
Legal Lot Number	4
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1013
Census Tract	270100

Owner

Source: Hancock County assessment roll, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	195 W 4TH ST, GARNER, IA 50438-1328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK
Oct 1, 2021	Warranty Deed, Transfer · Conventional Mortgage RELIANCE STATE BANK
Mar 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 1, 2021 · Amount on Record
Deed Sale	Oct 1, 2021 · Amount on Record
Prior Sale	May 29, 2012 · Amount on Record
Deed Document Number	20212315
Prior Transfer Date	Feb 22, 2021
Prior Transfer Doc	0000000450
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	195 W 4TH ST, GARNER, IA 50438-1328
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221675
Date	Aug 19, 2022
Instrument	22-1675

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Oct 1, 2021
Property Address	195 W 4TH ST, GARNER, IA 50438-1328
Document Number	0000212315
Instrument Date	Oct 1, 2021
Instrument	21-2315
Transaction Type	Transfer
Record Updated	Mar 30, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 FRONT ST, GARNER, IA 50438-1907

Mortgage

Document Number	0000212316
Date	Oct 1, 2021
Instrument	21-2316

Lender

Name	RELIANCE STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANCOCK IA
Recording Date	Mar 2, 2021
Property Address	195 W 4TH ST, GARNER, IA 50438-1328
Document Number	0000210450
Instrument Date	Feb 22, 2021
Instrument	21-0450
Transaction Type	Transfer
Record Updated	Jun 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 38, JOICE, IA 50446

Tax Assessment & Valuation

Source: Hancock County assessment roll, as of September 29, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Hancock County
Municipality	Garner City
Unified School District	Garner-Hayfield-Ventura Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,728.00 Homeowner's exemption	$212,560 (+9.21%) Land $21,090 Building $191,470	$212,560 (+9.21%) Land $21,090 Building $191,470
2024	$2,728.00 (-3.33%)
2023		$194,640 (+9.49%) Land $12,300 Building $182,340	$194,640 (+9.49%) Land $12,300 Building $182,340
2022	$2,822.00 Homeowner's exemption	$177,770 Land $12,300 Building $165,470
2021			$177,770 Land $12,300 Building $165,470

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Communications 1 Network Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Winnebago Cooperative Telecom Association.

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