Hancock County property record for 265 E Cardinal St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,176 sqft · built 2016 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $301,000 (Mar 2025) |
| Tax Bill | $3,064 (2025) |
| Deeds & Mortgages | Mar 2025 Sale & Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2139000230 |
| Primary APN | 2139000230 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Basement Area | 1,176 sqft |
| Finished Basement | 400 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 265 E CARDINAL ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-8769 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEJLIK'S SECOND SUBDIVISION LOT 23 |
| Legal Subdivision | HEJLIK'S 2ND SUBDIVISION |
| Legal Lot Number | 23 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 270100 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 265 E CARDINAL ST, GARNER, IA 50438-8769 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 14, 2025 | Warranty Deed, Transfer · Conventional Mortgage CLEAR LAKE BANK AND TRUST CO |
| Jul 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS BANK & TRUST CO |
| Nov 8, 2017 | Warranty Deed, Transfer · Conventional Mortgage MANUFACTURERS BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 14, 2025 · Amount on Record |
| Deed Sale | Mar 14, 2025 · Amount on Record |
| Prior Sale | Nov 8, 2017 · Amount on Record |
| Deed Document Number | 2025461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Mar 14, 2025 |
| Property Address | 265 E CARDINAL ST, GARNER, IA 50438-8769 |
| Document Number | 0000250461 |
| Instrument Date | Mar 12, 2025 |
| Instrument | 25-0461 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 265 E CARDINAL ST, GARNER, IA 50438-8769 |
| Document Number | 0000250462 |
|---|---|
| Date | Mar 14, 2025 |
| Instrument | 25-0462 |
| Name | CLEAR LAKE BANK AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 265 E CARDINAL ST, GARNER, IA 50438-8769 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000201416 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | 20-1416 |
| Name | MANUFACTURERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Nov 8, 2017 |
| Property Address | 265 E CARDINAL ST, GARNER, IA 50438-8769 |
| Document Number | 172120 |
| Instrument Date | Nov 8, 2017 |
| Instrument | 17-2120 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 265 E CARDINAL ST, GARNER, IA 50438-8769 |
| Document Number | 172121 |
|---|---|
| Date | Nov 8, 2017 |
| Instrument | 17-2121 |
| Name | MANUFACTURERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | CLEAR LAKE, IA 50428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
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 | $3,064.00 Homeowner's exemption | $239,170 (+10.04%) Land $40,000 Building $199,170 | $239,170 (+10.04%) Land $40,000 Building $199,170 |
| 2024 | $3,064.00 (-5.34%) | ||
| 2023 | $217,350 (+7.46%) Land $32,000 Building $185,350 | $217,350 (+7.46%) Land $32,000 Building $185,350 | |
| 2022 | $3,237.00 Homeowner's exemption | $202,270 Land $32,000 Building $170,270 | |
| 2021 | $202,270 Land $32,000 Building $170,270 |
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 |
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) |
|---|---|
| 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 |
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