365 W 5th St, Garner, IA 50438 Property Records

Hancock County property record for 365 W 5th St, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,040 sqft · built 1977
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Apr 2024)
Tax Bill	$2,452 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Oct 2023 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2101430061`

Property Details

APN / Parcel Number

Primary APN	`2101430061`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	365 W 5TH ST
City	GARNER
State	IA
Zip	50438-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG E 1/2 LOT 5 & 6 BLK 43
Legal Block	43
Legal Lot Number	5&6
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2019
Census Tract	270100

Owner

Source: Hancock County records, as of July 2, 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 Record
Mailing Address	365 W 5TH ST, GARNER, IA 50438-1405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Oct 24, 2023	Legal Action/Court Order, Foreclosure · Line of Credit RELIANCE STATE BANK
Nov 27, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Oct 24, 2023 · Amount on Record
Deed Document Number	2024578
Prior Transfer Date	Oct 23, 2017
Prior Transfer Doc	0000002218
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Apr 29, 2024
Property Address	365 W 5TH ST, GARNER, IA 50438-1405
Document Number	0000240578
Instrument Date	Apr 24, 2024
Instrument	24-0578
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	365 W 5TH ST, GARNER, IA 50438-1405

Mortgage

Document Number	0000240579
Date	Apr 29, 2024
Instrument	24-0579

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	HANCOCK IA
Recording Date	Oct 24, 2023
Property Address	365 W 5TH ST, GARNER, IA 50438-1405
Document Number	0000231869
Instrument Date	Oct 20, 2023
Instrument	23-1869
Transaction Type	Foreclosure
Record Updated	Nov 21, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	365 W 5TH ST, GARNER, IA 50438-1405

Mortgage

Document Number	0000231870
Date	Oct 24, 2023
Instrument	23-1870

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANCOCK IA
Recording Date	Nov 27, 2017
Property Address	365 W 5TH ST, GARNER, IA 50438-1405
Document Number	172218
Instrument Date	Oct 23, 2017
Instrument	17-2218
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 W 5TH ST, GARNER, IA 50438-1405

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	$2,452.00 Homeowner's exemption	$195,060 (+52.98%) Land $19,800 Building $175,260	$195,060 (+52.98%) Land $19,800 Building $175,260
2024	$2,452.00 (+75.64%)
2023		$127,510 (+9.07%) Land $11,550 Building $115,960	$127,510 (+9.07%) Land $11,550 Building $115,960
2022	$1,396.00 Homeowner's exemption	$116,910 Land $11,550 Building $105,360
2021			$116,910 Land $11,550 Building $105,360

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 229 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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