360 State St, Garner, IA 50438 Property Records

Hancock County property record for 360 State St, Garner, IA 50438

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	5,567 sqft · built 1910
Lot Size	0.074 acres (3,223 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (Aug 2022)
Tax Bill	$970 (2025)
Deeds & Mortgages	May 2022 Mortgage Aug 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2101330103`

Property Details

APN / Parcel Number

Primary APN	`2101330103`

Interior

Stories	2 Stories
Building Area	5,567 sqft Gross Area
1st Floor Area	2,800 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	3,223 sqft (0.074 acres)

Location & Zoning

Street Address	360 STATE ST
City	GARNER
State	IA
Zip	50438-1237
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	ORIG LOT 9 & S 4' LOT 10BLK 33
Legal Subdivision	GARNER
Legal Block	33
Legal Lot Number	9
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1011
Census Tract	270100

Owner

Source: Hancock County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1647 N FEDERAL AVE, MASON CITY, IA 50401-1245
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK
Aug 25, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK & TRUST CO
Aug 5, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Deed Document Number	20221584
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	360 STATE ST, GARNER, IA 50438-1237
Transaction Type	Mortgage
Record Updated	Jan 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220979
Date	May 9, 2022
Instrument	22-0979

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	360 STATE ST, GARNER, IA 50438-1237
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000231539
Date	Aug 25, 2023
Instrument	23-1539

Lender

Name	MANUFACTURERS BANK & TRUST CO
Type	Bank
Address	DODGE CENTER, MN 55927

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2028

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Aug 5, 2022
Property Address	360 STATE ST, GARNER, IA 50438-1237
Document Number	0000221584
Instrument Date	May 2, 2022
Instrument	22-1584
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Tax	$79.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1647 N FEDERAL AVE, MASON CITY, IA 50401-1245

Tax Assessment & Valuation

Source: Hancock County assessment roll, as of September 29, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Hancock County
Municipality	Garner City
Unified School District	Garner-Hayfield-Ventura Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$970.00 (+7.78%)	$70,170 (+15.35%) Land $10,750 Building $59,420	$70,170 (+15.35%) Land $10,750 Building $59,420
2024	$900.00 (-0.88%)
2023		$60,830 (+12.03%) Land $10,750 Building $50,080	$60,830 (+12.03%) Land $10,750 Building $50,080
2022	$908.00	$54,300 Land $10,750 Building $43,550
2021			$54,300 Land $10,750 Building $43,550

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 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

May also be available: Winnebago Cooperative Telecom Association.

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