Hancock County property record for 320 W 4th St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,405 sqft · built 1968 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Oct 2022) |
| Tax Bill | $2,380 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Line of Credit Oct 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 2101450010 |
| Primary APN | 2101450010 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,405 sqft Living Area |
| 1st Floor Area | 1,405 sqft |
| Basement Area | 1,324 sqft |
| Unfinished Basement | 1,324 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 507 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 112 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 320 W 4TH ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG LOT 1 BLK 45 |
| Legal Subdivision | GARNER |
| Legal Block | 45 |
| Legal Lot Number | 1 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 270100 |
Source: Hancock County records · APN 2101450010
Assessment roll updated September 29, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 W 4TH ST, GARNER, IA 50438-1304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Oct 28, 2022 | Deed, Transfer · Line of Credit RELIANCE STATE BANK |
| Oct 28, 2022 | Affidavit, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on Record |
| Deed Sale | Oct 28, 2022 · Amount on Record |
| Deed Document Number | 20222166 |
| Prior Transfer Date | Aug 23, 2021 |
| Prior Transfer Doc | 0000001923 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Oct 28, 2022 |
| Property Address | 320 W 4TH ST, GARNER, IA 50438-1304 |
| Document Number | 0000222166 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 22-2166 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $311.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 320 W 4TH ST, GARNER, IA 50438-1304 |
| Document Number | 0000222168 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 22-2168 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2037 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Oct 28, 2022 |
| Property Address | 320 W 4TH ST, GARNER, IA 50438-1304 |
| Document Number | 0000222167 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 22-2167 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Hancock County records · Assessment roll updated September 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Hancock County |
| Municipality | Garner City |
| Unified School District | Garner-Hayfield-Ventura Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,380.00 Homeowner's exemption | $202,770 (+9.68%) Land $21,090 Building $181,680 | $202,770 (+9.68%) Land $21,090 Building $181,680 |
| 2024 | $2,380.00 (-14.33%) | ||
| 2023 | $184,880 (+3.59%) Land $12,300 Building $172,580 | $184,880 (+3.59%) Land $12,300 Building $172,580 | |
| 2022 | $2,778.00 Homeowner's exemption | $178,480 Land $12,300 Building $166,180 | |
| 2021 | $178,480 Land $12,300 Building $166,180 |
Source: FEMA National Flood Hazard Layer as of October 26, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Communications 1 Network Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Winnebago Cooperative Telecom Association.
Based on FCC filings for 274 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARNER WATER WORKS serves 3,065 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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