2860 Oak Ave, Garner, IA 50438 Property Records

Hancock County property record for 2860 Oak Ave, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,214 sqft · built 1920
Lot Size	0.699 acres (30,448 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Feb 2025)
Tax Bill	$684 (2025)
Deeds & Mortgages	Sep 2026 Transfer Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0241030040`

Property Details

APN / Parcel Number

Primary APN	`0241030040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,214 sqft Living Area
1st Floor Area	714 sqft
Basement Area	714 sqft
Unfinished Basement	714 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,448 sqft (0.699 acres)
Garage Type	Mixed
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	268 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2860 OAK AVE
City	GARNER
State	IA
Zip	50438-8554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAYFIELD LACKORE & HOWARD LOTS 1,2,3,4 BLK 3
Legal Subdivision	HAYFIELD LACKORE & HOWARD
Legal Block	3
Legal Lot Number	1,2,3,4
Jurisdiction	HANCOCK IA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1146
Census Tract	270200

Owner

2860 Oak Ave is owned and occupied by two individuals who acquired it in September 2026.

Source: Hancock County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2860 OAK AVE, GARNER, IA 50438-8554
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 14, 2019	Deed of Trust, Mortgage · Balloon Mortgage CLEAR LAKE BANK & TRUST
Jul 13, 2018	Deed of Trust, Mortgage WEST IOWA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2025 · Amount on File
Deed Sale	Feb 18, 2025 · Amount on File
Deed Document Number	2025325
Last Transfer Date	Sep 14, 2026
Transfer Doc	0000001647
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HANCOCK IA
Recording Date	Sep 14, 2026
Property Address	2860 OAK AVE, GARNER, IA 50438-8554
Document Number	0000001647
Instrument Date	Sep 14, 2026
Instrument	20261647
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	2860 OAK AVE, GARNER, IA 50438-8554
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000191018
Date	Jun 14, 2019
Instrument	19-1018

Lender

Name	CLEAR LAKE BANK & TRUST

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jul 1, 2024

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	2860 OAK AVE, GARNER, IA 50438-8554
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000181345
Date	Jul 13, 2018
Instrument	0000018-1345

Lender

Name	WEST IOWA BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	234 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 2860 Oak Ave was $684 with a homeowner's exemption, up 5.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$684.00 (+5.88%) Homeowner's exemption	$83,490 Land $7,680 Building $75,810	$83,490 Land $7,680 Building $75,810
2024	$646.00
2023		$72,960 (-4.49%) Land $7,680 Building $65,280	$72,960 Land $7,680 Building $65,280
2022	$803.00 Homeowner's exemption	$76,390 Land $7,680 Building $68,710
2021			$76,390 Land $7,680 Building $68,710

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

Flood

FEMA maps place 2860 Oak Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 26, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2860 Oak Ave 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Winnebago Cooperative Telecom Association Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Ave

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