295 W 5th St, Garner, IA 50438 Property Records

Hancock County property record for 295 W 5th St, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,106 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Oct 2025)
Tax Bill	$2,014 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2101380050`

Property Details

APN / Parcel Number

Primary APN	`2101380050`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,106 sqft Living Area
1st Floor Area	1,378 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	98 sqft
Patio Area	475 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	295 W 5TH ST
City	GARNER
State	IA
Zip	50438-1403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LOT 5 BLK 38
Legal Subdivision	GARNER
Legal Block	38
Legal Lot Number	5
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1016
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	2 Individual Names on File
Mailing Address	295 W 5TH ST, GARNER, IA 50438-1403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO
Oct 3, 2025	Warranty Deed, Transfer · Conventional Mortgage SERVION INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Transfer Date	Jul 31, 2016
Prior Transfer Doc	0000001265
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	295 W 5TH ST, GARNER, IA 50438-1403
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200797
Date	Apr 29, 2020
Instrument	20-0797

Lender

Name	CLEAR LAKE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 1, 2025

Interest

Rate Type	Fixed Rate

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Oct 3, 2025
Property Address	295 W 5TH ST, GARNER, IA 50438-1403
Document Number	0000251689
Instrument Date	Sep 20, 2025
Instrument	25-1689
Transaction Type	Transfer
Record Updated	Oct 27, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$247.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	295 W 5TH ST, GARNER, IA 50438-1403

Mortgage

Document Number	0000251690
Date	Oct 3, 2025
Instrument	25-1690

Lender

Name	SERVION INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

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	$2,014.00 Homeowner's exemption	$172,200 (+10.56%) Land $21,090 Building $151,110	$172,200 (+10.56%) Land $21,090 Building $151,110
2024	$2,014.00 (+32.67%)
2023		$155,750 (+9.16%) Land $12,300 Building $143,450	$155,750 (+9.16%) Land $12,300 Building $143,450
2022	$1,518.00 Homeowner's exemption Additional exemption filed	$142,680 Land $12,300 Building $130,380
2021			$142,680 Land $12,300 Building $130,380

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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