520 Allen Ave, Garner, IA 50438 Property Records

Hancock County property record for 520 Allen Ave, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,417 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Nov 2022)
Tax Bill	$1,834 (2025)
Deeds & Mortgages	Nov 2022 Sale & Line of Credit Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2101430040`

Property Details

APN / Parcel Number

Primary APN	`2101430040`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,417 sqft Living Area
1st Floor Area	984 sqft
Basement Area	309 sqft
Unfinished Basement	577 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
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	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	332 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	520 ALLEN AVE
City	GARNER
State	IA
Zip	50438-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LOT 4 BLK 43
Legal Subdivision	GARNER
Legal Block	43
Legal Lot Number	4
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2019
Census Tract	270100

Owner

Source: Hancock County records, as of August 14, 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	520 ALLEN AVE, GARNER, IA 50438-1427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Warranty Deed, Transfer · Line of Credit CLEAR LAKE BANK & TRUST CO
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK
Oct 8, 2018	Deed of Trust, Mortgage RELIANCE STATE BANK
Oct 5, 2018	Deed of Trust, Mortgage HOMEWARD RESIDENTIAL
Oct 8, 2018	Warranty Deed, Transfer RELIANCE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	Oct 8, 2018 · Amount on Record
Deed Document Number	20222351
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Nov 22, 2022
Property Address	520 ALLEN AVE, GARNER, IA 50438-1427
Document Number	0000222351
Instrument Date	Nov 14, 2022
Instrument	22-2351
Transaction Type	Transfer
Record Updated	Jan 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 ALLEN AVE, GARNER, IA 50438-1427

Mortgage

Document Number	0000222352
Date	Nov 22, 2022
Instrument	22-2352

Lender

Name	CLEAR LAKE BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	520 ALLEN AVE, GARNER, IA 50438-1427
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000211163
Date	Jun 1, 2021
Instrument	21-1163

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	520 ALLEN AVE, GARNER, IA 50438-1427
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000181920
Date	Oct 8, 2018
Instrument	0000018-1920

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	520 ALLEN AVE, GARNER, IA 50438-1427
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000181911
Date	Oct 5, 2018
Instrument	0000018-1911

Lender

Name	HOMEWARD RESIDENTIAL

Agreement

Amount	Amount Recorded

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Oct 8, 2018
Property Address	520 ALLEN AVE, GARNER, IA 50438-1427
Document Number	00000181919
Instrument Date	Sep 27, 2018
Instrument	0000018-1919
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
Relationship	Joint Tenants
Address	520 ALLEN AVE, GARNER, IA 50438-1427

Mortgage

Document Number	00000181921
Date	Oct 8, 2018
Instrument	0000018-1921

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	171 Months
Due	Jan 1, 2033

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	$1,834.00 Homeowner's exemption	$150,180 (+11.83%) Land $19,800 Building $130,380	$150,180 (+11.83%) Land $19,800 Building $130,380
2024	$1,834.00 (-4.18%)
2023		$134,290 (+8.83%) Land $11,550 Building $122,740	$134,290 (+8.83%) Land $11,550 Building $122,740
2022	$1,914.00 Homeowner's exemption	$123,390 Land $11,550 Building $111,840
2021			$123,390 Land $11,550 Building $111,840

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 229 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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