Clayton County property record for 305 E Niagara St, Garnavillo, IA 52049
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,318 sqft · built 1950 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $52,000 (Aug 2015) |
| Tax Bill | $1,260 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Aug 2015 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2918436005 |
| Primary APN | 2918436005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,318 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 720 sqft |
| Game Room | Game Room |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 284 sqft |
| Deck Area | 116 sqft |
| Patio Area | 92 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 305 E NIAGARA ST |
|---|---|
| City | GARNAVILLO |
| State | IA |
| Zip | 52049-8119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MATTS ADDN. LOT 5 NE SE 18 93 3 |
| Legal Range | 3W |
| Legal Township | 93N |
| Legal Section | 18 |
| Legal Subdivision | MATTS ADDN |
| Legal Lot Number | 5 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | GARNAVILLO |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 70300 |
305 E Niagara St is owned and occupied by an individual who bought it in August 2015.
Source: Clayton County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 E NIAGARA ST, GARNAVILLO, IA 52049-8119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 13, 2017 | Deed of Trust, Mortgage VERIDIAN CU |
| Aug 10, 2015 | Deed of Trust, Mortgage · ARM VERIDIAN CU |
| Aug 13, 2015 | Deed of Trust, Mortgage VERIDIAN CU |
| Feb 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2015 · Amount on File |
| Deed Sale | Aug 10, 2015 · Amount on File |
| Deed Document Number | 20152184 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 305 E NIAGARA ST, GARNAVILLO, IA 52049-8119 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2017R02962 |
|---|---|
| Date | Sep 13, 2017 |
| Instrument | 2017R02962 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Sep 20, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 305 E NIAGARA ST, GARNAVILLO, IA 52049-8119 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2015R02185 |
|---|---|
| Date | Aug 10, 2015 |
| Instrument | 2015R02185 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.87% |
| Index | 1-Year LIBOR |
| Max Rate | 9.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 305 E NIAGARA ST, GARNAVILLO, IA 52049-8119 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2015R02204 |
|---|---|
| Date | Aug 13, 2015 |
| Instrument | 2015R02204 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Aug 17, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Feb 25, 2022 |
| Property Address | 305 E NIAGARA ST, GARNAVILLO, IA 52049-8119 |
| Document Number | 2022R00716 |
| Instrument Date | Feb 19, 2022 |
| Instrument | 2022R00716 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $103.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 E NIAGARA ST, GARNAVILLO, IA 52049-8119 |
| Document Number | 2022R00718 |
|---|---|
| Date | Feb 25, 2022 |
| Instrument | 2022R00718 |
| Name | COMMUNITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 305 E Niagara St was $1,260, up 9.2% 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 | $1,260.00 (+9.19%) | $81,714 Land $10,319 Building $71,395 | $81,714 Land $10,319 Building $71,395 |
| 2024 | $1,154.00 | ||
| 2023 | $69,635 Land $8,973 Building $60,662 | $69,635 Land $8,973 Building $60,662 | |
| 2022 | $1,278.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 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 305 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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