Hancock County property record for 395 W 7th St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,638 sqft · built 1890 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (May 2026) |
| Tax Bill | $2,192 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2101410062 |
| Primary APN | 2101410062 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,638 sqft Living Area |
| 1st Floor Area | 940 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1914 |
| 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 | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 72 sqft |
| Patio Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 395 W 7TH ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG W 1/2 LOT 5 & 6 BLK 41 |
| Legal Subdivision | GARNER ADD |
| Legal Block | 41 |
| Legal Lot Number | 5&6 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 270100 |
Source: Hancock County records · APN 2101410062
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 | 395 W 7TH ST, GARNER, IA 50438-1502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 18, 2026 | Warranty Deed, Transfer · Balloon Mortgage CLEAR LAKE BANK AND TRUST |
| May 08, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE STATE BANK |
| Mar 02, 2026 | Deed of Trust, Mortgage · Line of Credit RELIANCE STATE BANK |
| Oct 01, 2021 | Warranty Deed, Transfer · Conventional Mortgage RELIANCE STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 18, 2026 · Amount on Record |
| Deed Sale | May 18, 2026 · Amount on Record |
| Prior Sale | Oct 01, 2021 · Amount on Record |
| Deed Document Number | 2026761 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | May 18, 2026 |
| Property Address | 395 W 7TH ST, GARNER, IA 50438-1502 |
| Document Number | 0000000761 |
| Instrument Date | May 11, 2026 |
| Instrument | 2026761 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,239.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 395 W 7TH ST, GARNER, IA 50438-1502 |
| Document Number | 0000000762, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 2026762 |
| Name | CLEAR LAKE BANK AND TRUST |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 01, 2031 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.46% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 395 W 7TH ST, GARNER, IA 50438-1502 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000190788 |
|---|---|
| Date | May 08, 2019 |
| Instrument | 19-0788 |
| Name | RELIANCE STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 395 W 7TH ST, GARNER, IA 50438-1502 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 395 W 7TH ST, GARNER, IA 50438-1502 |
| Document Number | 0000260334 |
|---|---|
| Date | Mar 02, 2026 |
| Instrument | 26-0334 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Address | GARNER, IA 50438 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Oct 01, 2021 |
| Property Address | 395 W 7TH ST, GARNER, IA 50438-1502 |
| Document Number | 0000212312 |
| Instrument Date | Sep 29, 2021 |
| Instrument | 21-2312 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $186.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 395 W 7TH ST, GARNER, IA 50438-1502 |
| Document Number | 0000212313 |
|---|---|
| Date | Oct 01, 2021 |
| Instrument | 21-2313 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 01, 2036 |
| Rate Type | Fixed Rate |
|---|
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 | $2,192.00 Homeowner's exemption | $175,620 (+10.83%) Land $19,800 Building $155,820 | $175,620 (+10.83%) Land $19,800 Building $155,820 |
| 2024 | $2,192.00 (+10.65%) | ||
| 2023 | $158,460 (+24.63%) Land $11,550 Building $146,910 | $158,460 (+24.63%) Land $11,550 Building $146,910 | |
| 2022 | $1,981.00 Homeowner's exemption | $127,140 Land $11,550 Building $115,590 | |
| 2021 | $127,140 Land $11,550 Building $115,590 |
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 | 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 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 · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 411 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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