Clayton County property record for 403 4th St, Garber, IA 52048
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 928 sqft · built 1914 |
| Lot Size | 0.277 acres (12,100 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,156 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 2836130003 |
| Primary APN | 2836130003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 928 sqft Living Area |
| 1st Floor Area | 640 sqft |
| Attic Area | 288 sqft |
| Basement Area | 640 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1914 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 12,100 sqft (0.277 acres) |
| Lot Dimensions | 121 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 144 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 403 4TH ST |
|---|---|
| City | GARBER |
| State | IA |
| Zip | 52048-8008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W VIEW LOTS 3 TO 6 BLK 3 |
| Legal Subdivision | WEST VIEW ADD |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | VOLGA |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 70500 |
Source: Clayton County records, as of October 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 403 4TH ST, GARBER, IA 52048-8008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST NA |
| Dec 23, 2019 | Warranty Deed, Transfer · Stand-Alone Refinance FIDELITY BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2019 |
| Deed Sale | Dec 23, 2019 |
| Prior Sale | Aug 18, 2005 · Amount on Record |
| Deed Document Number | 202019R03873 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 403 4TH ST, GARBER, IA 52048-8008 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2021R04843 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 2021R04843 |
| Name | FIDELITY BANK & TRUST NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 17, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Dec 23, 2019 |
| Property Address | 403 4TH ST, GARBER, IA 52048-8008 |
| Document Number | 202019R03873 |
| Instrument Date | Feb 11, 2019 |
| Instrument | 202019R03873 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 4TH ST, GARBER, IA 52048-8008 |
| Document Number | 202019R03875 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 202019R03875 |
| Name | FIDELITY BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
Source: Clayton County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | Garber City |
| Unified School District | Central Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $96,233 (+18.71%) Land $9,430 Building $86,803 | $96,233 (+18.71%) Land $9,430 Building $86,803 | |
| 2024 | $1,156.00 (+48.21%) | ||
| 2023 | $81,066 Land $8,200 Building $72,866 | $81,066 Land $8,200 Building $72,866 | |
| 2022 | $780.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 28, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 20 (1991–2017) |
| Claims Outside the SFHA | 4 of 20 |
| Most Recent Claim | Jul 2017 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Alpine Communications Fiber | 500 / 500 |
5G and 4G LTE (outdoors only)
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