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

Hancock County property record for 245 W 4th St, Garner, IA 50438

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 840 sqft · built 1948
Lot Size0.113 acres (4,922 sqft)
OwnerCompany Name on File
Last Sale$63,000 (Dec 2017)
Tax Bill$1,382 (2025)
Deeds & MortgagesApr 2026 Line of Credit
Dec 2017 Sale
Flood ZoneZone X (minimal risk)
APN2101370042

Property Details

APN / Parcel Number

Primary APN2101370042

Interior

Bedrooms2 Beds
Full Baths1 Bath
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories1 Story
Building Area840 sqft Living Area
1st Floor Area840 sqft
Basement Area840 sqft
Finished Basement400 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 1948
Exterior MaterialWood
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area4,922 sqft (0.113 acres)
Garage TypeDetached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
Deck Area80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
Water SourceCommercial

Location & Zoning

Street Address245 W 4TH ST
CityGARNER
StateIA
Zip50438-1301
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionORIG W 54' OF N 25' LOT 3 & W 54' LOT 4 BLK 37
Legal SubdivisionGARNER
Legal Block37
Legal Lot Number3
JurisdictionHANCOCK IA
Township / Civil DivisionCONCORD
Census Block Group1
Census Block1014
Census Tract270100

Owner

Source: Hancock County records · APN 2101370042

Assessment roll updated September 29, 2025 · Last verified July 2026

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

Owner of RecordCompany Name on File
Mailing Address121 CLARK RD, CLEAR LAKE, IA 50428-1003
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Apr 10, 2026Deed of Trust, Mortgage · Line of Credit
RELIANCE STATE BANK
Dec 07, 2017Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 07, 2017 · Amount on Record
Deed SaleDec 07, 2017 · Amount on Record
Deed Document Number20172344
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHANCOCK IA
Recording DateApr 10, 2026
Property Address245 W 4TH ST, GARNER, IA 50438-1301
Document Number0000000534
Instrument DateApr 10, 2026
Instrument2026534
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266
Address1504 W 6TH AVE N, CLEAR LAKE, IA 50428-1245

Mortgage

Document Number0000000534,
DateApr 10, 2026
Instrument2026534
Lender
NameRELIANCE STATE BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate6.11%
Max Rate-1%

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHANCOCK IA
Recording DateDec 07, 2017
Property Address245 W 4TH ST, GARNER, IA 50438-1301
Document Number172344
Instrument DateDec 07, 2017
Instrument17-2344
Transaction TypeTransfer
Record UpdatedOct 08, 2021

Transaction

AmountAmount Recorded
Tax$100.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1504 W 6TH AVE N, CLEAR LAKE, IA 50428-1245

Tax Assessment & Valuation

Source: Hancock County records · Assessment roll updated September 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIowa
CountyHancock County
MunicipalityGarner City
Unified School DistrictGarner-Hayfield-Ventura Community School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,382.00$105,020 (+12.38%) Land $14,090 Building $90,930$105,020 (+12.38%) Land $14,090 Building $90,930
2024$1,382.00 (-3.89%)
2023$93,450 (+8.57%) Land $8,220 Building $85,230$93,450 (+8.57%) Land $8,220 Building $85,230
2022$1,438.00$86,070 Land $8,220 Building $77,850
2021$86,070 Land $8,220 Building $77,850

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 26, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Based on FCC filings for 274 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemGARNER WATER WORKS
serves 3,065 people
Water SourceGroundwater
Last State InspectionJun 2025
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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