Clayton County property record for 304 E Watson St, Garnavillo, IA 52049
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 1,448 sqft · built 1976 |
| Lot Size | 0.312 acres (13,596 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Mar 2023) |
| Tax Bill | $3,096 (2024) |
| Deeds & Mortgages | Mar 2023 Sale & Line of Credit Aug 2017 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2918431002 |
| Primary APN | 2918431002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 5 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| Basement Area | 1,448 sqft |
| Finished Basement | 975 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,596 sqft (0.312 acres) |
| Lot Dimensions | 132 ft deep x 103 ft wide |
| Garage Type | Attached |
| Garage Area | 688 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | 372 sqft |
| Patio Area | 372 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 304 E WATSON ST |
|---|---|
| City | GARNAVILLO |
| State | IA |
| Zip | 52049-9759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 1/2 LOT 1 NE SE EXC E 33 FT 18 93 3 |
| Legal Range | 03 |
| Legal Township | 93 |
| Legal Section | 18 |
| Legal Lot Number | 1 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | GARNAVILLO |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 70300 |
Source: Clayton County assessment roll, as of May 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 20993 HIGHWAY 52, SAINT OLAF, IA 52072-8018 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2023 | Warranty Deed, Transfer · Line of Credit LUANNA SAVINGS BANK |
| Aug 29, 2017 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Aug 29, 2017 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 1, 2023 · Amount on Record |
| Deed Sale | Mar 1, 2023 · Amount on Record |
| Deed Document Number | 2023R00600 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Mar 1, 2023 |
| Property Address | 304 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Document Number | 2023R00600 |
| Map Reference | PB 20 PG 140 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 2023R00600 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $319.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20093 HWY 52, OLIN, IA 52072 |
| Document Number | 2023R00601 |
|---|---|
| Date | Mar 1, 2023 |
| Instrument | 2023R00601 |
| Name | LUANNA SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 22, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 304 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017R02772 |
|---|---|
| Date | Aug 29, 2017 |
| Instrument | 2017R02772 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74137 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 862 Months |
| Due | Jun 12, 2089 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.63% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2018 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Max Rate | 9.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 304 E WATSON ST, GARNAVILLO, IA 52049-9759 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017R02771 |
|---|---|
| Date | Aug 29, 2017 |
| Instrument | 2017R02771 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74137 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 862 Months |
| Due | Jun 12, 2089 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.63% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2018 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Max Rate | 9.63% |
Source: Clayton County assessment roll, as of May 1, 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 | $217,636 (+16.41%) Land $20,131 Building $197,505 | $217,636 (+16.41%) Land $20,131 Building $197,505 | |
| 2024 | $3,096.00 (+25.45%) | ||
| 2023 | $186,964 Land $17,505 Building $169,459 | $186,964 Land $17,505 Building $169,459 | |
| 2022 | $2,468.00 |
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 | None beyond ember reach |
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 Communications Cable | 1,000 / 50 |
| Alpine Communications Fiber | 500 / 500 |
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