365 State St, Garner, IA 50438 Property Records

Hancock County property record for 365 State St, Garner, IA 50438

Property Summary

Property Type	Commercial Office
Details	2,760 sqft · built 1952
Lot Size	0.063 acres (2,744 sqft)
Owner	Company Name on Record
Last Sale	$37,500 (Oct 2022)
Tax Bill	$758 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`2101240080`

Property Details

APN / Parcel Number

Primary APN	`2101240080`

Interior

Stories	1 Story
Building Area	2,760 sqft Gross Area
1st Floor Area	2,760 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Concrete Block
Roof Material	Composition Shingle
Lot Area	2,744 sqft (0.063 acres)

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	365 STATE ST
City	GARNER
State	IA
Zip	50438-1236
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	ORIG LOT 8 BLK 24
Legal Subdivision	ORIGINAL TOWN OF GARNER
Legal Block	24
Legal Lot Number	8
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1010
Census Tract	270100

Owner

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	Company Name on Record
Mailing Address	175 E 3RD ST, GARNER, IA 50438-1226
Owner Type	Company
Vesting	Government

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Deed of Trust, Mortgage · Commercial Mortgage RELIANCE STATE BANK
Oct 24, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2022 · Amount on Record
Deed Sale	Oct 24, 2022 · Amount on Record
Prior Sale	Jul 13, 2007 · Amount on Record
Deed Document Number	20222101
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	365 STATE ST, GARNER, IA 50438-1236
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230137
Date	Jan 23, 2023
Instrument	23-0137

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Oct 24, 2022
Property Address	365 STATE ST, GARNER, IA 50438-1236
Document Number	0000222101
Instrument Date	Oct 22, 2022
Instrument	22-2101
Transaction Type	Transfer
Record Updated	Dec 28, 2022

Transaction

Amount	Amount Recorded
Tax	$59.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 246, CLEAR LAKE, IA 50428-0246

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	$758.00 (+6.46%)	$54,880 (+14.02%) Land $9,220 Building $45,660	$54,880 (+14.02%) Land $9,220 Building $45,660
2024	$712.00 (-1.39%)
2023		$48,130 (+11.52%) Land $9,220 Building $38,910	$48,130 (+11.52%) Land $9,220 Building $38,910
2022	$722.00	$43,160 Land $9,220 Building $33,940
2021			$43,160 Land $9,220 Building $33,940

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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