Clayton County property record for 303 E Niagara St, Garnavillo, IA 52049
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.75 ba · 1,517 sqft · built 1950 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $1,144 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-29-18-436-006 |
| Primary APN | 22-29-18-436-006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,517 sqft Living Area |
| 1st Floor Area | 752 sqft |
| Attic | Attic |
| Attic Area | 405 sqft |
| Basement Area | 752 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Shed | 1 Shed |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Water Source | Commercial |
| Street Address | 303 E NIAGARA ST |
|---|---|
| City | GARNAVILLO |
| State | IA |
| Zip | 52049-8119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MATTS ADDN. LOT 6 |
| Legal Subdivision | MATTS ADDN |
| Legal Lot Number | 6 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | GARNAVILLO |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 70300 |
303 E Niagara St is owner-occupied and held in a trust.
Source: Clayton County records, as of September 14, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 12505 30TH STREET CIR E, PARRISH, FL 34219-1625 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Oct 2, 2026 |
| Property Address | 303 E NIAGARA ST, GARNAVILLO, IA 52049-8119 |
| Document Number | 0000002983 |
| Instrument Date | Sep 28, 2026 |
| Instrument | 20262983 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust, 165 |
| Address | 303 E NIAGARA ST, GARNAVILLO, IA 52049-8119 |
| Document Number | 0000002983, |
|---|---|
| Date | Oct 2, 2026 |
| Instrument | 20262983 |
| Name | COMMUNITY SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 1, 2036 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 303 E Niagara St was $1,144 with a homeowner's exemption, up 15.3% from the year before.
Source: Clayton County assessment roll, as of November 3, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | Garnavillo City |
| Unified School District | Clayton Ridge Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,144.00 (+15.32%) Homeowner's exemption | $108,648 Land $10,319 Building $98,329 | $108,648 Land $10,319 Building $98,329 |
| 2024 | $992.00 | ||
| 2023 | $92,319 Land $8,973 Building $83,346 | $92,319 Land $8,973 Building $83,346 | |
| 2022 | $1,228.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 303 E Niagara St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective September 28, 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 Claims | 2 (1997–2001) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Apr 2001 · Severe Storms, Tornadoes And Flooding |
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 risk around 303 E Niagara St is low, with 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 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARNAVILLO WATER SUPPLY serves 763 people · EPA ID IA2234074 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2022–2024) 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 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Alpine Communications Fiber | 500 / 500 |
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