435 State St, Garner, IA 50438 Property Records

Hancock County property record for 435 State St, Garner, IA 50438

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	5,160 sqft · built 1900
Lot Size	0.128 acres (5,576 sqft)
Owner	Company Name on File
Last Sale	$100,000 (Jun 2023)
Tax Bill	$1,418 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2101250131`

Property Details

APN / Parcel Number

Primary APN	`2101250131`

Interior

Stories	2 Stories
Building Area	5,160 sqft Gross Area
1st Floor Area	2,600 sqft
Basement Area	2,600 sqft
Flooring	Carpet

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	5,576 sqft (0.128 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	435 STATE ST
City	GARNER
State	IA
Zip	50438-1334
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	ORIG LOTS 11, 12 & S 6" LOT 13 BLK 25
Legal Block	25
Legal Lot Number	13
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1019
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	Company Name on File
Mailing Address	465 STATE ST, GARNER, IA 50438-1334
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage RELIANCE STATE BANK
Jun 8, 2023	Deed of Trust, Mortgage · Commercial Mortgage RELIANCE STATE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 2, 2023 · Amount on Record
Deed Sale	Jun 2, 2023 · Amount on Record
Prior Sale	Apr 4, 2016 · Amount on Record
Deed Document Number	2023959
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	435 STATE ST, GARNER, IA 50438-1334
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230999
Date	Jun 6, 2023
Instrument	23-0999

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	435 STATE ST, GARNER, IA 50438-1334
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000231012
Date	Jun 8, 2023
Instrument	23-1012

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,418.00	$110,270 (+15.07%) Land $18,620 Building $91,650	$110,270 (+15.07%) Land $18,620 Building $91,650
2024	$1,418.00 (-1.12%)
2023		$95,830 (+11.73%) Land $18,620 Building $77,210	$95,830 (+11.73%) Land $18,620 Building $77,210
2022	$1,434.00	$85,770 Land $18,620 Building $67,150
2021			$85,770 Land $18,620 Building $67,150

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 274 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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