Clayton County property record for 320 3rd St, Garber, IA 52048
| Property Type | Single Family Home |
|---|---|
| Details | 4,140 sqft · built 1920 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $234 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-28-36-181-005 |
| Primary APN | 22-28-36-181-005 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,140 sqft Total Area |
| 1st Floor Area | 4,140 sqft |
| Overhead Door | Overhead Door |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Concrete Block |
| Roof Material | Metal |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Street Address | 320 3RD ST |
|---|---|
| City | GARBER |
| State | IA |
| Zip | 52048-4400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N1/2 LOT 5- 8 BLK 9 |
| Legal Subdivision | GARBER |
| Legal Block | 9 |
| Legal Lot Number | 5-8 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | VOLGA |
| Census Block Group | 1 |
| Census Block | 1124 |
| Census Tract | 70500 |
320 3rd St, a single family home, is owned by two individuals.
Source: Clayton County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 201 HUBBARD ST, COLESBURG, IA 52035-9665 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 320 3rd St was $234, up 9.3% from the year before.
Source: Clayton County assessment roll, as of November 3, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | Garber City |
| Unified School District | Central Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $234.00 (+9.35%) | $17,858 Land $4,432 Building $13,426 | $17,858 Land $4,432 Building $13,426 |
| 2024 | $214.00 | ||
| 2023 | $15,042 Land $3,854 Building $11,188 | $15,042 Land $3,854 Building $11,188 | |
| 2022 | $224.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 3rd St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 20 (1991–2017) |
| Claims Outside the SFHA | 4 of 20 |
| Most Recent Claim | Jul 2017 · other causes |
| Claims by Event |
|
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 320 3rd 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 93% of the US · above 40% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Alpine Communications Fiber | 500 / 500 |
5G and 4G LTE (outdoors only)
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