Hancock County property record for 45 State St, Garner, IA 50438
| Property Type | Medical Building |
|---|---|
| Details | 3,219 sqft · built 2007 |
| Lot Size | 0.199 acres (8,668 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $5,000 (Jan 2020) |
| Tax Bill | $11,642 (2025) |
| Deeds & Mortgages | Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2130000034 |
| Primary APN | 2130000034 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,219 sqft Gross Area |
| 1st Floor Area | 3,219 sqft |
| Basement Area | 1,380 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Composition/Composite |
| Roof Material | Shingle |
| Lot Area | 8,668 sqft (0.199 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 45 STATE ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1108 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Medical Building |
| Legal Description | ZROSTLIK ADD TR IN PARCEL 3 EXC E 13.91' |
| Legal Subdivision | ZROSTLIK ADDITINO |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 3 |
| Census Block | 3119 |
| Census Tract | 270100 |
45 State St, a commercial property, is held in a trust since November 2025.
Source: Hancock County records, as of September 1, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3150 TAYLOR AVE, FOREST CITY, IA 50436-8028 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2020 · Amount on File |
| Deed Sale | Jan 2, 2020 · Amount on File |
| Deed Document Number | 20203 |
| Last Transfer Date | Nov 7, 2025 |
| Transfer Doc | 0000001957 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Jan 2, 2020 |
| Property Address | 45 STATE ST, GARNER, IA 50438-1108 |
| Document Number | 0000200003 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 20-0003 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 546 N CLARK ST, FOREST, IA |
| Document Number | 0000200004 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 20-0004 |
| Name | MANUFACTURERS BANK & TRUST |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2035 |
The 2025 property tax bill for 45 State St was $11,642, up 15.6% from the year before.
Source: Hancock County assessment roll, as of September 29, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Hancock County |
| Municipality | Garner City |
| Unified School District | Garner-Hayfield-Ventura Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,642.00 (+15.61%) | $491,060 Land $26,440 Building $464,620 | $491,060 Land $26,440 Building $464,620 |
| 2024 | $10,070.00 | ||
| 2023 | $428,090 (+12.47%) Land $26,440 Building $401,650 | $428,090 Land $26,440 Building $401,650 | |
| 2022 | $8,896.00 | $380,610 Land $26,440 Building $354,170 | |
| 2021 | $380,610 Land $26,440 Building $354,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 State St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 26, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 45 State St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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