Hancock County property record for 295 W 4th St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,320 sqft · built 2016 |
| Lot Size | 0.117 acres (5,097 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,500 (Nov 2019) |
| Tax Bill | $2,124 (2025) |
| Deeds & Mortgages | Apr 2017 Construction Loan Sep 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2101370062 |
| Primary APN | 2101370062 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| 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 | Asphalt |
| Lot Area | 5,097 sqft (0.117 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 295 W 4TH ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG W 1/2 LOT 5 & EXC S 55' OF W 1/2 LOT 6 BLK 37 |
| Legal Block | 37 |
| Legal Lot Number | 5 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 270100 |
Source: Hancock County records · APN 2101370062
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 295 W 4TH ST, GARNER, IA 50438-1301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Apr 03, 2017 | Deed of Trust, Mortgage · Construction Mortgage RELIANCE STATE BANK |
| Sep 14, 2018 | Deed of Trust, Mortgage RELIANCE STATE BANK |
| Nov 01, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 01, 2019 · Amount on Record |
| Deed Sale | Nov 01, 2019 · Amount on Record |
| Prior Sale | Sep 30, 2005 · Amount on Record |
| Deed Document Number | 20191901 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 295 W 4TH ST, GARNER, IA 50438-1301 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000170477 |
|---|---|
| Date | Apr 03, 2017 |
| Instrument | 17-0477 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Address | GARNER, IA 50438 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 01, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 295 W 4TH ST, GARNER, IA 50438-1301 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00000181753 |
|---|---|
| Date | Sep 14, 2018 |
| Instrument | 0000018-1753 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Nov 01, 2019 |
| Property Address | 295 W 4TH ST, GARNER, IA 50438-1301 |
| Document Number | 0000191901 |
| Instrument Date | Oct 24, 2019 |
| Instrument | 19-1901 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 W 4TH ST, GARNER, IA 50438-1301 |
| Document Number | 0000191902 |
|---|---|
| Date | Nov 01, 2019 |
| Instrument | 19-1902 |
| Name | FARMERS STATE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2034 |
Source: Hancock County records · Assessment roll updated September 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Hancock County |
| Municipality | Garner City |
| Unified School District | Garner-Hayfield-Ventura Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,124.00 Homeowner's exemption | $180,400 (+7.62%) Land $15,640 Building $164,760 | $180,400 (+7.62%) Land $15,640 Building $164,760 |
| 2024 | $2,124.00 (-12.88%) | ||
| 2023 | $167,620 (+8.33%) Land $9,130 Building $158,490 | $167,620 (+8.33%) Land $9,130 Building $158,490 | |
| 2022 | $2,438.00 Homeowner's exemption Additional exemption filed | $154,730 Land $9,130 Building $145,600 | |
| 2021 | $154,730 Land $9,130 Building $145,600 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 274 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARNER WATER WORKS serves 3,065 people |
|---|---|
| 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 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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