415 Division St, Garner, IA 50438 Property Records

Hancock County property record for 415 Division St, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,144 sqft · built 1977
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$1,419,000 (Dec 2018)
Tax Bill	$2,268 (2025)
Deeds & Mortgages	Dec 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`2106100062`

Property Details

APN / Parcel Number

Primary APN	`2106100062`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Finished Basement	575 sqft
Game Room	Game Room
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	415 DIVISION ST
City	GARNER
State	IA
Zip	50438-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTSIDE W 1/2 LOTS 5 & 6 BLK 10
Legal Subdivision	WEST SIDE ADDITION
Legal Block	10
Legal Lot Number	5&6
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2006
Census Tract	270100

Owner

Source: Hancock County records, as of September 1, 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	415 DIVISION ST, GARNER, IA 50438-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	20182283
Prior Transfer Date	Nov 21, 2018
Prior Transfer Doc	0000002283
Record Updated	Oct 29, 2026

December 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HANCOCK IA
Recording Date	Dec 3, 2018
Property Address	415 DIVISION ST, GARNER, IA 50438-1319
Document Number	182283
Instrument Date	Nov 21, 2018
Instrument	18-2283
Transaction Type	Foreclosure
Record Updated	Oct 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 DIVISION ST, GARNER, IA 50438-1319

Mortgage

Document Number	182284
Date	Dec 3, 2018
Instrument	18-2284

Lender

Name	CLEAR LAKE BANK & TRUST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	182283
Date	Dec 3, 2018
Instrument	18-2283

Lender

Name	CLEAR LAKE BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Hancock County assessment roll, as of September 29, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Hancock County
Municipality	Garner City
Unified School District	Garner-Hayfield-Ventura Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,268.00 (+4.61%) Homeowner's exemption	$175,140 (+11.65%) Land $21,090 Building $154,050	$175,140 (+11.65%) Land $21,090 Building $154,050
2024	$2,168.00 (-3.73%)
2023		$156,870 (+9.2%) Land $12,300 Building $144,570	$156,870 (+9.2%) Land $12,300 Building $144,570
2022	$2,252.00 Homeowner's exemption	$143,650 Land $12,300 Building $131,350
2021			$143,650 Land $12,300 Building $131,350

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 26, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	GARNER WATER WORKS serves 3,065 people · EPA ID IA4130075
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comm 1 Connects Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Winnebago Cooperative Telecom Association.

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