406 4th St, Garber, IA 52048 Property Records

Clayton County property record for 406 4th St, Garber, IA 52048

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,677 sqft · built 1900
Lot Size	0.273 acres (11,880 sqft)
Owner	2 Individual Names on File
Last Sale	$114,000 (Jun 2013)
Tax Bill	$1,954 (2022)
Deeds & Mortgages	Jan 2016 Construction Loan Jan 2009 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`2836134019`

Property Details

APN / Parcel Number

Primary APN	`2836134019`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	4 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,677 sqft Living Area
1st Floor Area	384 sqft
Basement Area	384 sqft
Finished Basement	225 sqft
Unfinished Basement	159 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,880 sqft (0.273 acres)
Lot Dimensions	120 ft deep x 99 ft wide
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	16 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 4TH ST
City	GARBER
State	IA
Zip	52048-8008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST VIEW ADDN. LOTS 19 - 22 BLK 1
Legal Subdivision	WEST VIEW ADDN
Legal Block	1
Legal Lot Number	19-22
Jurisdiction	CLAYTON IA
Township / Civil Division	VOLGA
Census Block Group	1
Census Block	1047
Census Tract	70500

Owner

406 4th St is owned and occupied by two individuals who bought it in June 2013.

Source: Clayton County records, as of December 23, 2025

Owner of Record	2 Individual Names on File
Mailing Address	406 4TH ST, GARBER, IA 52048-8008
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2016	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY SAVINGS BANK
Jan 14, 2009	Legal Action/Court Order, Foreclosure · Conventional Mortgage COMMUNITY SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2013 · Amount on File
Deed Sale	Jun 3, 2013 · Amount on File
Prior Sale	Jan 14, 2009 · Amount on File
Deed Document Number	20132247
Prior Transfer Date	May 31, 2013
Prior Transfer Doc	2013R02247
Record Updated	Oct 29, 2026

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	406 4TH ST, GARBER, IA 52048-8008
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2016R00124
Date	Jan 13, 2016
Instrument	2016R00124

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank
Address	EDGEWOOD, IA 52042

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	10 Months
Due	Nov 1, 2016

January 2009: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAYTON IA
Recording Date	Jan 14, 2009
Property Address	406 4TH ST, GARBER, IA 52048-8008
Document Number	2009R00120
Instrument Date	Jan 8, 2009
Instrument	2009R00120
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 39, GARBER, IA 52048

Mortgage

Document Number	2009R00122
Date	Jan 14, 2009
Instrument	2009R00122

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Feb 1, 2014

Mortgage

Document Number	2009R00123
Date	Jan 14, 2009
Instrument	2009R00123

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank
Address	EDGEWOOD, IA 52042

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Feb 1, 2014

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		$156,602 Land $9,336 Building $147,266	$156,602 Land $9,336 Building $147,266
2023		$131,733 Land $8,118 Building $123,615	$131,733 Land $8,118 Building $123,615
2022	$1,954.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 406 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 406 4th 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	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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