425 W 5th St, Garner, IA 50438 Property Records

Hancock County property record for 425 W 5th St, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 850 sqft · built 1950
Lot Size	0.083 acres (3,615 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Sep 2010)
Tax Bill	$1,456 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2101470152`

Property Details

APN / Parcel Number

Primary APN	`2101470152`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	850 sqft Living Area
1st Floor Area	850 sqft
Basement Area	850 sqft
Finished Basement	380 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,615 sqft (0.083 acres)
Garage Type	Attached
Garage Area	275 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	425 W 5TH ST
City	GARNER
State	IA
Zip	50438-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG W 55' LOT 15 BLK 47
Legal Subdivision	GARNER
Legal Block	47
Legal Lot Number	15
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2018
Census Tract	270100

Owner

Source: Hancock County assessment roll, as of September 29, 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
Mailing Address	425 W 5TH ST, GARNER, IA 50438-1407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO
Aug 13, 2018	Deed of Trust, Mortgage · Line of Credit CLEAR LAKE BANK & TRUST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 20, 2010 · Amount on Record
Deed Sale	Sep 20, 2010 · Amount on Record
Deed Document Number	20101510
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	425 W 5TH ST, GARNER, IA 50438-1407
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202510
Date	Nov 19, 2020
Instrument	20-2510

Lender

Name	CLEAR LAKE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	425 W 5TH ST, GARNER, IA 50438-1407
Transaction Type	Mortgage
Record Updated	Sep 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000181534
Date	Aug 13, 2018
Instrument	0000018-1534

Lender

Name	CLEAR LAKE BANK & TRUST

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	113 Months
Due	Jan 1, 2028

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	$1,456.00 Homeowner's exemption	$120,760 (+11.13%) Land $11,720 Building $109,040	$120,760 (+11.13%) Land $11,720 Building $109,040
2024	$1,456.00 (-4.71%)
2023		$108,670 (+8.36%) Land $6,830 Building $101,840	$108,670 (+8.36%) Land $6,830 Building $101,840
2022	$1,528.00 Homeowner's exemption	$100,290 Land $6,830 Building $93,460
2021			$100,290 Land $6,830 Building $93,460

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 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

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)
Communications 1 Network Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Winnebago Cooperative Telecom Association.

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