Hancock County property record for 320 E Henschen St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,041 sqft · built 2005 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Jul 2022) |
| Tax Bill | $3,346 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2137000190 |
| Primary APN | 2137000190 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 1,041 sqft Living Area |
| 1st Floor Area | 1,041 sqft |
| Basement Area | 988 sqft |
| Finished Basement | 857 sqft |
| Unfinished Basement | 131 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 144 sqft |
| Patio Area | 66 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 320 E HENSCHEN ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-8757 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEJLIK'S FIRST SUBDIVISION LOT 19 |
| Legal Subdivision | HEJLIK'S 1ST SUBDIVISION |
| Legal Lot Number | 19 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 270100 |
320 E Henschen St is owned and occupied by two individuals who bought it in July 2022.
Source: Hancock County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 E HENSCHEN ST, GARNER, IA 50438-8757 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO |
| Dec 18, 2025 | Warranty Deed, Transfer · Conventional Mortgage CLEAR LAKE BANK AND TRUST CO |
| Jul 29, 2022 | Joint Tenancy Deed, Transfer · Conventional Mortgage IOWA STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on File |
| Deed Sale | Jul 29, 2022 · Amount on File |
| Prior Sale | Aug 23, 2016 · Amount on File |
| Deed Document Number | 20221554 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 320 E HENSCHEN ST, GARNER, IA 50438-8757 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000210435 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 21-0435 |
| Name | CLEAR LAKE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 1, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Dec 18, 2025 |
| Property Address | 320 E HENSCHEN ST, GARNER, IA 50438-8757 |
| Document Number | 0000252197 |
| Instrument Date | Dec 13, 2025 |
| Instrument | 25-2197 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $503.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 320 E HENSCHEN ST, GARNER, IA 50438-8757 |
| Document Number | 0000252198 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 25-2198 |
| Name | CLEAR LAKE BANK AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Joint Tenancy Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Jul 29, 2022 |
| Property Address | 320 E HENSCHEN ST, GARNER, IA 50438-8757 |
| Document Number | 0000221554 |
| Instrument Date | Jul 16, 2022 |
| Instrument | 22-1554 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $407.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 320 E HENSCHEN ST, GARNER, IA 50438-8757 |
| Document Number | 0000221555 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 22-1555 |
| Name | IOWA STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 320 E Henschen St was $3,346, up 0.5% from the year before.
Source: Hancock County assessment roll, as of September 29, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Hancock County |
| Municipality | Garner City |
| Unified School District | Garner-Hayfield-Ventura Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,346.00 (+0.48%) | $242,290 Land $37,880 Building $204,410 | $242,290 Land $37,880 Building $204,410 |
| 2024 | $3,330.00 | ||
| 2023 | $225,160 (+10.15%) Land $30,300 Building $194,860 | $225,160 Land $30,300 Building $194,860 | |
| 2022 | $3,275.00 | $204,410 Land $30,300 Building $174,110 | |
| 2021 | $204,410 Land $30,300 Building $174,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 E Henschen St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 26, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 320 E Henschen St is low, with less than 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 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 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 | GARNER WATER WORKS serves 3,065 people · EPA ID IA4130075 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2021–2023) 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 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Comm 1 Connects Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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