445 Allen Ave, Garner, IA 50438 Property Records

Hancock County property record for 445 Allen Ave, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 704 sqft · built 1920
Lot Size	0.083 acres (3,615 sqft)
Owner	Individual Name on Record
Last Sale	$83,000 (Jan 2025)
Tax Bill	$568 (2025)
Deeds & Mortgages	Jan 2025 Sale & Line of Credit Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2101370063`

Property Details

APN / Parcel Number

Primary APN	`2101370063`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	704 sqft Living Area
1st Floor Area	704 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,615 sqft (0.083 acres)
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	99 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	445 ALLEN AVE
City	GARNER
State	IA
Zip	50438-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG S 55' OF W 1/2 LOT 6 BLK 37
Legal Subdivision	GARNER
Legal Block	37
Legal Lot Number	6
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1014
Census Tract	270100

Owner

Source: Hancock County records, as of July 2, 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	445 ALLEN AVE, GARNER, IA 50438-1311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2025	Warranty Deed, Transfer · Line of Credit CLEAR LAKE BANK AND TRUST CO
Feb 14, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage RELIANCE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2025 · Amount on Record
Deed Sale	Jan 13, 2025 · Amount on Record
Prior Sale	Feb 14, 2019 · Amount on Record
Deed Document Number	202572
Record Updated	Sep 20, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Jan 13, 2025
Property Address	445 ALLEN AVE, GARNER, IA 50438-1311
Document Number	0000250072
Instrument Date	Jan 10, 2025
Instrument	25-0072
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Amount	Amount Recorded
Tax	$132.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 ALLEN AVE, GARNER, IA 50438-1311

Mortgage

Document Number	0000250092
Date	Jan 13, 2025
Instrument	25-0092

Lender

Name	CLEAR LAKE BANK AND TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 10, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0000250092
Date	Jan 15, 2025
Instrument	25-0092

Lender

Name	CLEAR LAKE BANK AND TRUST CO
Type	Bank
Address	CLEAR LAKE, IA 50428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 10, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Feb 14, 2019
Property Address	445 ALLEN AVE, GARNER, IA 50438-1311
Document Number	190255
Instrument Date	Feb 13, 2019
Instrument	19-0255
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 ALLEN AVE, GARNER, IA 50438-1311

Mortgage

Document Number	0000190256
Date	Feb 14, 2019
Instrument	19-0256

Lender

Name	RELIANCE STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2029

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	$568.00	$45,120 (+17.44%) Land $11,720 Building $33,400	$45,120 (+17.44%) Land $11,720 Building $33,400
2024	$568.00 (+26.22%)
2023		$38,420 (+7.32%) Land $6,830 Building $31,590	$38,420 (+7.32%) Land $6,830 Building $31,590
2022	$450.00 Homeowner's exemption	$35,800 Land $6,830 Building $28,970
2021			$35,800 Land $6,830 Building $28,970

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 274 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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