404 4th St, Garber, IA 52048 Property Records

Clayton County property record for 404 4th St, Garber, IA 52048

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1876
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Aug 2021)
Tax Bill	$1,150 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2836134016`

Property Details

APN / Parcel Number

Primary APN	`2836134016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	280 sqft
Basement Area	210 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	76 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	404 4TH ST
City	GARBER
State	IA
Zip	52048-8008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W VIEW LOTS 16 17 18 BLK 1
Legal Subdivision	WEST VIEW ADD
Legal Block	1
Legal Lot Number	16-18
Jurisdiction	CLAYTON IA
Township / Civil Division	VOLGA
Census Block Group	1
Census Block	1047
Census Tract	70500

Owner

Source: Clayton County records, as of September 14, 2026

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	404 4TH ST, GARBER, IA 52048-8008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORP
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPLOYEES CU
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPLOYEES CU
Aug 9, 2021	Legal Action/Court Order, Foreclosure · Conventional Mortgage HOME POINT FINANCIAL CORP
Dec 10, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2021 · Amount on Record
Deed Sale	Aug 9, 2021 · Amount on Record
Prior Sale	Dec 10, 2020 · Amount on Record
Deed Document Number	20213298
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	404 4TH ST, GARBER, IA 52048-8008
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R04533
Date	Oct 26, 2021
Instrument	2021R04533

Lender

Name	HOME POINT FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	404 4TH ST, GARBER, IA 52048-8008
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R02083
Date	Jun 16, 2020
Instrument	2020R02083

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	404 4TH ST, GARBER, IA 52048-8008
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R02084
Date	Jun 16, 2020
Instrument	2020R02084

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 10, 2025

Interest

Rate Type	Fixed Rate

August 2021: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAYTON IA
Recording Date	Aug 9, 2021
Property Address	404 4TH ST, GARBER, IA 52048-8008
Document Number	2021R03298
Instrument Date	Jul 9, 2021
Instrument	2021R03298
Transaction Type	Foreclosure
Record Updated	Sep 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$119.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 5TH ST, GARBER, IA 52048-8000

Mortgage

Document Number	2021R03300
Date	Aug 9, 2021
Instrument	2021R03300

Lender

Name	HOME POINT FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAYTON IA
Recording Date	Dec 10, 2020
Property Address	404 4TH ST, GARBER, IA 52048-8008
Document Number	2020R05126
Instrument Date	Dec 10, 2020
Instrument	2020R05126
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$115.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 4TH ST, GARBER, IA 52048-8008

Mortgage

Document Number	2020R05128
Date	Dec 10, 2020
Instrument	2020R05128

Lender

Name	FARMERS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clayton County assessment roll, as of November 3, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clayton County
Municipality	Garber City
Unified School District	Central Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,150.00 (+9.94%)	$87,687 (+27.3%) Land $7,073 Building $80,614	$87,687 (+27.3%) Land $7,073 Building $80,614
2024	$1,046.00 (-9.83%)
2023		$68,884 Land $6,150 Building $62,734	$68,884 Land $6,150 Building $62,734
2022	$1,160.00

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 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	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 13 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 2 claims

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.

Wildfire

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.

Internet Providers

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

Cell Coverage

5G and 4G LTE (outdoors only)

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