Hancock County property record for 515 State St, Garner, IA 50438
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 4,376 sqft · built 1931 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Jun 2021) |
| Tax Bill | $4,186 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2101260150 |
| Primary APN | 2101260150 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 4,376 sqft Gross Area |
| 1st Floor Area | 4,376 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Exterior Material | Brick |
| Roof Material | Slate |
| Lot Area | 11,021 sqft (0.253 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 515 STATE ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1455 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | ORIG LOTS 12-13-14-15 BLK 26 |
| Legal Block | 26 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 270100 |
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 | 515 STATE ST, GARNER, IA 50438-1455 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2021 · Amount on Record |
| Deed Sale | Jun 11, 2021 · Amount on Record |
| Deed Document Number | 20211254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 515 STATE ST, GARNER, IA 50438-1455 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000211255 |
|---|---|
| Date | Jun 11, 2021 |
| Instrument | 21-1255 |
| Name | CLEAR LAKE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 28, 2026 |
| Rate Type | Fixed Rate |
|---|
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 | $4,186.00 (+16.67%) | $254,830 (+25.82%) Land $36,860 Building $217,970 | $254,830 (+25.82%) Land $36,860 Building $217,970 |
| 2024 | $3,588.00 (+18.34%) | ||
| 2023 | $202,530 (+11.63%) Land $36,860 Building $165,670 | $202,530 (+11.63%) Land $36,860 Building $165,670 | |
| 2022 | $3,032.00 | $181,430 Land $36,860 Building $144,570 | |
| 2021 | $181,430 Land $36,860 Building $144,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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