Clayton County property record for 407 E Centre St, Garnavillo, IA 52049 · Last verified November 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,362 sqft · built 1979 |
| Lot Size | 0.375 acres (16,368 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Aug 2025) |
| Tax Bill | $2,260 (2024) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage May 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2918433004 |
| Primary APN | 2918433004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,362 sqft Living Area |
| Basement Area | 1,362 sqft |
| Finished Basement | 950 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Contemporary |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,368 sqft (0.375 acres) |
| Lot Dimensions | 132 ft deep x 124 ft wide |
| Garage Type | Attached |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 286 sqft |
| Deck Area | 272 sqft |
| Patio Area | 272 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 407 E CENTRE ST |
|---|---|
| City | GARNAVILLO |
| State | IA |
| Zip | 52049-9726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 4 & 5 SCHROEDERS ADDN. |
| Legal Range | 03 |
| Legal Township | 93 |
| Legal Section | 18 |
| Legal Subdivision | SCHROEDERS ADD |
| Legal Lot Number | 4,5 5 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | GARNAVILLO |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 70300 |
Source: Clayton County records · APN 2918433004
Assessment roll updated May 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 407 E CENTRE ST, GARNAVILLO, IA 52049-9726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2025 | Warranty Deed, Transfer · Conventional Mortgage DUTRAC COMMUNITY CU |
| May 29, 2018 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOAN INC |
| Dec 23, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY SAVINGS BANK |
| Feb 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES STATE BANK |
| Dec 20, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 18, 2025 · Amount on Record |
| Deed Sale | Aug 18, 2025 · Amount on Record |
| Prior Sale | Feb 26, 2021 · Amount on Record |
| Deed Document Number | 2025R02306 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Aug 18, 2025 |
| Property Address | 407 E CENTRE ST, GARNAVILLO, IA 52049-9726 |
| Document Number | 2025R02306 |
| Instrument Date | Aug 08, 2025 |
| Instrument | 2025R02306 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $359.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 407 E CENTRE ST, GARNAVILLO, IA 52049-9726 |
| Document Number | 2025R02307 |
|---|---|
| Date | Aug 18, 2025 |
| Instrument | 2025R02307 |
| Name | DUTRAC COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 407 E CENTRE ST, GARNAVILLO, IA 52049-9726 |
| Transaction Type | Mortgage |
| Record Updated | Jul 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2018R01514 |
|---|---|
| Date | May 29, 2018 |
| Instrument | 2018R01514 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jan 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 407 E CENTRE ST, GARNAVILLO, IA 52049-9726 |
| Transaction Type | Mortgage |
| Record Updated | Jul 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202019R03879 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 202019R03879 |
| Name | COMMUNITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Feb 26, 2021 |
| Property Address | 407 E CENTRE ST, GARNAVILLO, IA 52049-9726 |
| Document Number | 2021R00855 |
| Instrument Date | Feb 26, 2021 |
| Instrument | 2021R00855 |
| Transaction Type | Transfer |
| Record Updated | Jul 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 91, GARNAVILLO, IA 52049-0091 |
| Document Number | 2021R00857 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 2021R00857 |
| Name | PEOPLES STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 01, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Dec 20, 2019 |
| Property Address | 407 E CENTRE ST, GARNAVILLO, IA 52049-9726 |
| Document Number | 202019R03838 |
| Instrument Date | Nov 20, 2019 |
| Instrument | 202019R03838 |
| Transaction Type | Transfer |
| Record Updated | Jul 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 MATHEW AVE, ELKADER, IA 52043-7602 |
Source: Clayton County records · Assessment roll updated May 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | Garnavillo City |
| Unified School District | Clayton Ridge Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $170,410 (+16.13%) Land $21,811 Building $148,599 | $170,410 (+16.13%) Land $21,811 Building $148,599 | |
| 2024 | $2,260.00 (-10.53%) | ||
| 2023 | $146,744 Land $18,967 Building $127,777 | $146,744 Land $18,967 Building $127,777 | |
| 2022 | $2,526.00 |
Source: FEMA National Flood Hazard Layer, Clayton County (19043C), updated September 28, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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