Clayton County property record for 303 E Watson St, Garnavillo, IA 52049
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,306 sqft · built 1900 |
| Lot Size | 0.458 acres (19,950 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $99,500 (Aug 2021) |
| Tax Bill | $1,740 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2918428003 |
| Primary APN | 2918428003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,306 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,950 sqft (0.458 acres) |
| Lot Dimensions | 266 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 291 sqft |
| Deck Area | 196 sqft |
| Patio Area | 196 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 303 E WATSON ST |
|---|---|
| City | GARNAVILLO |
| State | IA |
| Zip | 52049-9759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 OF LOT C NE SE & LOT 4 OF LOT B SE NE 18 93 3 |
| Legal Range | 3W |
| Legal Township | 93N |
| Legal Section | 18 |
| Legal Lot Number | 4,B-C |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | GARNAVILLO |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 70300 |
Source: Clayton County records, as of December 23, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 303 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 11, 2018 | Deed of Trust, Mortgage PEOPLES STATE BANK |
| Jul 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES STATE BANK |
| Aug 19, 2021 | Intrafamily Transfer, Transfer |
| Aug 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2021 · Amount on Record |
| Deed Sale | Aug 23, 2021 · Amount on Record |
| Deed Document Number | 20213510 |
| Prior Transfer Date | Aug 18, 2021 |
| Prior Transfer Doc | 2021R03469 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 303 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018R03051 |
|---|---|
| Date | Oct 11, 2018 |
| Instrument | 2018R03051 |
| Name | PEOPLES STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 303 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020R02375 |
|---|---|
| Date | Jul 1, 2020 |
| Instrument | 2020R02375 |
| Name | PEOPLES STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Aug 19, 2021 |
| Property Address | 303 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Document Number | 2021R03469 |
| Map Reference | PB 18 PG 56 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 2021R03469 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 303 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Aug 23, 2021 |
| Property Address | 303 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Document Number | 2021R03510 |
| Map Reference | PB 18 PG 56 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 2021R03510 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $15.84 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 303 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Document Number | 2021R03512 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 2021R03512 |
| Name | COMMUNITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
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 | $1,740.00 | $124,883 (+18.91%) Land $17,362 Building $107,521 | $124,883 (+18.91%) Land $17,362 Building $107,521 |
| 2024 | $1,740.00 (+3.2%) | ||
| 2023 | $105,020 Land $15,098 Building $89,922 | $105,020 Land $15,098 Building $89,922 | |
| 2022 | $1,686.00 |
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 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.
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 | Direct burnable vegetation |
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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