405 4th St, Garber, IA 52048 Property Records

Clayton County property record for 405 4th St, Garber, IA 52048

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.75 ba · 2,043 sqft · built 1920
Lot Size	0.139 acres (6,050 sqft)
Owner	Individual Name on Record
Last Sale	$81,000 (Feb 2020)
Tax Bill	$1,568 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2836130001`

Property Details

APN / Parcel Number

Primary APN	`2836130001`

Interior

Bedrooms	2 Beds
Full Baths	2.75 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,043 sqft Living Area
1st Floor Area	672 sqft
Basement Area	864 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	6,050 sqft (0.139 acres)
Lot Dimensions	121 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	136 sqft
Patio Area	136 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	405 4TH ST
City	GARBER
State	IA
Zip	52048-8008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W VIEW LOTS 1 & 2 BLK 3
Legal Subdivision	WEST VIEW ADD
Legal Block	3
Legal Lot Number	1,2
Jurisdiction	CLAYTON IA
Township / Civil Division	VOLGA
Census Block Group	1
Census Block	1046
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	405 4TH ST, GARBER, IA 52048-8008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2020 · Amount on Record
Deed Sale	Feb 14, 2020 · Amount on Record
Prior Sale	Aug 31, 2015 · Amount on Record
Deed Document Number	2020577
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAYTON IA
Recording Date	Feb 14, 2020
Property Address	405 4TH ST, GARBER, IA 52048-8008
Document Number	2020R00577
Instrument Date	Jan 31, 2020
Instrument	2020R00577
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 4TH ST, GARBER, IA 52048-8008

Mortgage

Document Number	2020R00579
Date	Feb 14, 2020
Instrument	2020R00579

Lender

Name	FLANAGAN STATE BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	2020R00577
Date	Feb 14, 2020
Instrument	2020R00577

Lender

Name	FLANAGAN STATE BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$1,568.00 (+9.65%)	$119,550 (+19.21%) Land $4,715 Building $114,835	$119,550 (+19.21%) Land $4,715 Building $114,835
2024	$1,430.00 (+1.13%)
2023		$100,283 Land $4,100 Building $96,183	$100,283 Land $4,100 Building $96,183
2022	$1,414.00

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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