465 Bush Ave, Garner, IA 50438 Property Records

Hancock County property record for 465 Bush Ave, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,950 sqft · built 1890
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$76,000 (Feb 2014)
Tax Bill	$1,922 (2025)
Deeds & Mortgages	May 2023 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2101320020`

Property Details

APN / Parcel Number

Primary APN	`2101320020`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,950 sqft Living Area
1st Floor Area	1,041 sqft
Basement Area	714 sqft
Unfinished Basement	714 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1929
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	182 sqft
Deck Area	316 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	465 BUSH AVE
City	GARNER
State	IA
Zip	50438-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LOT 2 BLK 32
Legal Subdivision	GARNER
Legal Block	32
Legal Lot Number	2
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1013
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	2 Individual Names on Record
Mailing Address	465 BUSH AVE, GARNER, IA 50438-1315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2014 · Amount on Record
Deed Sale	Feb 11, 2014 · Amount on Record
Deed Document Number	2014242
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	465 BUSH AVE, GARNER, IA 50438-1315
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230827
Date	May 12, 2023
Instrument	23-0827

Lender

Name	VILLAGE CAPITAL & INVESTMENT
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	465 BUSH AVE, GARNER, IA 50438-1315
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202625
Date	Nov 30, 2020
Instrument	20-2625

Lender

Name	CLEAR LAKE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2030

Interest

Rate Type	Fixed 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	$1,922.00 (+5.03%) Homeowner's exemption	$150,070 (+12%) Land $19,800 Building $130,270	$150,070 (+12%) Land $19,800 Building $130,270
2024	$1,830.00 (-4.49%)
2023		$133,990 (+8.47%) Land $11,550 Building $122,440	$133,990 (+8.47%) Land $11,550 Building $122,440
2022	$1,916.00 Homeowner's exemption	$123,530 Land $11,550 Building $111,980
2021			$123,530 Land $11,550 Building $111,980

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

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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