Clayton County property record for 404 W Harrison St, Garnavillo, IA 52049
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,595 sqft · built 1968 |
| Lot Size | 0.316 acres (13,750 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,228 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit May 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2918401001 |
| Primary APN | 2918401001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,595 sqft Living Area |
| 1st Floor Area | 1,451 sqft |
| Basement Area | 1,451 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,750 sqft (0.316 acres) |
| Lot Dimensions | 110 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | 360 sqft |
| Patio Area | 352 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 404 W HARRISON ST |
|---|---|
| City | GARNAVILLO |
| State | IA |
| Zip | 52049-9765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OUTLOT 4 NW SE 18 93 3125 FT X 110 FT PT LOT 1 |
| Legal Lot Number | 1 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | GARNAVILLO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 70300 |
404 W Harrison St is owned and occupied by two individuals who acquired it in August 2022.
Source: Clayton County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 W HARRISON ST, GARNAVILLO, IA 52049-9765 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 3, 2023 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| May 3, 2023 | Affidavit, Transfer |
| May 3, 2023 | Deed, Transfer · Line of Credit VERIDIAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 18, 2022 |
| Transfer Doc | 0000003116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 404 W HARRISON ST, GARNAVILLO, IA 52049-9765 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023R01193 |
|---|---|
| Date | May 3, 2023 |
| Instrument | 2023R01193 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2033 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | May 3, 2023 |
| Property Address | 404 W HARRISON ST, GARNAVILLO, IA 52049-9765 |
| Document Number | 2023R01190 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 2023R01190 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 W HARRISON ST, GARNAVILLO, IA 52049-9765 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | May 3, 2023 |
| Property Address | 404 W HARRISON ST, GARNAVILLO, IA 52049-9765 |
| Document Number | 2023R01191 |
| Instrument Date | Apr 20, 2023 |
| Instrument | 2023R01191 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 404 W HARRISON ST, GARNAVILLO, IA 52049-9765 |
| Document Number | 2023R01192 |
|---|---|
| Date | May 3, 2023 |
| Instrument | 2023R01192 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 12.5% |
The 2025 property tax bill for 404 W Harrison St was $2,228 with a homeowner's exemption, up 12.3% from the year before.
Source: Clayton County assessment roll, as of November 3, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | Garnavillo City |
| Unified School District | Clayton Ridge Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,228.00 (+12.3%) Homeowner's exemption | $178,938 Land $17,486 Building $161,452 | $178,938 Land $17,486 Building $161,452 |
| 2024 | $1,984.00 | ||
| 2023 | $133,800 Land $15,205 Building $118,595 | $133,800 Land $15,205 Building $118,595 | |
| 2022 | $1,914.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 W Harrison St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.
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 Claims | 2 (1997–2001) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Apr 2001 · Severe Storms, Tornadoes And Flooding |
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 risk around 404 W Harrison St is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARNAVILLO WATER SUPPLY serves 763 people · EPA ID IA2234074 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2022–2024) 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, 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.
Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Alpine Communications Fiber | 500 / 500 |
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