406 4th St, Garwin, IA 50632 Property Records

Tama County property record for 406 4th St, Garwin, IA 50632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 1925
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Oct 2024)
Tax Bill	$1,540 (2025)
Deeds & Mortgages	Jul 2005 Mortgage Aug 2013 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`09.11.479.004`

Property Details

APN / Parcel Number

Primary APN	`09.11.479.004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,786 sqft Living Area
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	406 4TH ST
City	GARWIN
State	IA
Zip	50632-9700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 3 RIDER'S
Legal Subdivision	RIDER'S
Legal Block	3
Legal Lot Number	2
Jurisdiction	TAMA IA
Township / Civil Division	CARLTON
Census Block Group	3
Census Block	3024
Census Tract	290300

Owner

Source: Tama County records, as of May 27, 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	406 4TH ST, GARWIN, IA 50632-9700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2005	Deed of Trust, Mortgage · ARM WILMINGTON FINANCE INC
Aug 29, 2013	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
May 22, 2007	Deed of Trust, Mortgage · Conventional Mortgage CITIMORTGAGE INC
Oct 7, 2024	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Oct 18, 2023	Warranty Deed, Subdivision Related Transfer
Oct 18, 2023	Warranty Deed, Transfer
Jun 17, 2011	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2024 · Amount on Record
Deed Sale	Oct 7, 2024 · Amount on Record
Prior Sale	Oct 18, 2023 · Amount on Record
Deed Document Number	20242279
Prior Transfer Date	Jun 17, 2011
Prior Transfer Doc	000890/095
Record Updated	Sep 20, 2026

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	406 4TH ST, GARWIN, IA 50632-9700
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000748/437
Date	Jul 25, 2005
Book Page	0748/437
Instrument	2005-0285

Lender

Name	WILMINGTON FINANCE INC
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.99%
Type Change Date	Aug 1, 2007
Change Frequency	6 Months
Min Rate At Change	7.9%
Max Rate At Change	10.9%
Index	LIBOR
Max Rate	13.9%

August 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	406 4TH ST, GARWIN, IA 50632-9700
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000922/117
Date	Aug 29, 2013
Book Page	0922/117
Instrument	2013-2581

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	229 Months
Due	Sep 1, 2032

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	406 4TH ST, GARWIN, IA 50632-9700
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000800/095
Date	May 22, 2007
Book Page	0800/095
Instrument	2007-1717

Lender

Name	CITIMORTGAGE INC
Type	Mortgage Company
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2037

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Oct 7, 2024
Property Address	406 4TH ST, GARWIN, IA 50632-9700
Document Number	0020242279
Instrument Date	Sep 20, 2024
Instrument	2024-2279
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$114.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 4TH ST, GARWIN, IA 50632-9700

Mortgage

Document Number	0020242280
Date	Oct 7, 2024
Instrument	2024-2280

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2054

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Oct 18, 2023
Property Address	406 4TH ST, GARWIN, IA 50632-9700
Document Number	0020232306
Instrument Date	Oct 17, 2023
Instrument	2023-2306
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$87.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 4TH ST, GARWIN, IA 50632-9700

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Oct 18, 2023
Property Address	406 4TH ST, GARWIN, IA 50632-9700
Document Number	0020232305
Instrument Date	Oct 13, 2023
Instrument	2023-2305
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 N 15TH AVE, MARSHALLTOWN, IA 50158-2226

June 2011: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TAMA IA
Recording Date	Jun 17, 2011
Property Address	406 4TH ST, GARWIN, IA 50632-9700
Document Number	000890/095
Book / Page	0890 / 095
Instrument Date	Jun 17, 2011
Instrument	2011-1724
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 193, GARWIN, IA 50632

Tax Assessment & Valuation

Source: Tama County assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Tama County
Municipality	Garwin City
Unified School District	GMG Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,540.00	$73,990 (-10.08%) Land $11,880 Building $62,110	$73,990 (-10.08%) Land $11,880 Building $62,110
2024		$82,280 (-) Land $11,880 Building $70,400
2023		$82,280 Land $11,880 Building $70,400	$82,280 Land $11,880 Building $70,400

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 October 6, 2021 · 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	3 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 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	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARWIN WATER SUPPLY serves 481 people · EPA ID IA8637079
Water Source	Purchased groundwater from IA REGIONAL UTILITIES ASSOC (WAVERLY)
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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