490 State St, Garner, IA 50438 Property Records

Hancock County property record for 490 State St, Garner, IA 50438

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1 ba · 2,832 sqft · built 1910
Lot Size	0.063 acres (2,744 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,060 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2101320050`

Property Details

APN / Parcel Number

Primary APN	`2101320050`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,832 sqft Gross Area
1st Floor Area	1,416 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Combination
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,744 sqft (0.063 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	490 STATE ST
City	GARNER
State	IA
Zip	50438-1335
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	ORIG LOT 5 BLK 32
Legal Subdivision	GARNER SUB
Legal Block	32
Legal Lot Number	5
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1013
Census Tract	270100

Owner

490 State St, a commercial property, is owned by two individuals who acquired it in November 2021.

Source: Hancock County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	295 E SESAME ST, GARNER, IA 50438-1927
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK
Mar 31, 2017	Deed of Trust, Mortgage RELIANCE STATE BANK
May 4, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 10, 2021
Transfer Doc	0000002709
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	490 STATE ST, GARNER, IA 50438-1335
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212888
Date	Dec 13, 2021
Instrument	21-2888

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	490 STATE ST, GARNER, IA 50438-1335
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170457
Date	Mar 31, 2017
Instrument	17-0457

Lender

Name	RELIANCE STATE BANK
Type	Bank
Address	GARNER, IA 50438

Agreement

Amount	Amount on Record
Term	240 Months
Due	Mar 27, 2037

Interest

Rate Type	Adjustable Rate

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HANCOCK IA
Recording Date	May 4, 2017
Property Address	490 STATE ST, GARNER, IA 50438-1335
Document Number	170711
Instrument Date	Apr 28, 2017
Instrument	17-0711
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 STATE ST, GARNER, IA 50438-1335

Tax Assessment & Valuation

The 2025 property tax bill for 490 State St was $2,060, up 9.6% from the year before.

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	$2,060.00 (+9.57%)	$149,120 Land $9,220 Building $139,900	$149,120 Land $9,220 Building $139,900
2024	$1,880.00
2023		$127,190 (+13.71%) Land $9,220 Building $117,970	$127,190 Land $9,220 Building $117,970
2022	$1,870.00	$111,850 Land $9,220 Building $102,630
2021			$111,850 Land $9,220 Building $102,630

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 490 State St in Zone X, an area of minimal flood risk.

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

The area around 490 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.

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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