590 State St, Garner, IA 50438 Property Records

Hancock County property record for 590 State St, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,921 sqft · built 1900
Lot Size	0.127 acres (5,532 sqft)
Owner	Company Name on Record
Last Sale	$250,000 (Jan 2025)
Tax Bill	$3,456 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2101310060`

Property Details

APN / Parcel Number

Primary APN	`2101310060`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,921 sqft Living Area
1st Floor Area	1,139 sqft
Basement Area	630 sqft
Unfinished Basement	630 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1929
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,532 sqft (0.127 acres)
Garage Type	Attached
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	176 sqft
Deck Area	205 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	590 STATE ST
City	GARNER
State	IA
Zip	50438-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LOT 5 & 6 BLK 31
Legal Subdivision	GARNER
Legal Block	31
Legal Lot Number	5&6
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1017
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	Company Name on Record
Mailing Address	135 W 5TH ST, GARNER, IA 50438-1438
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Deed of Trust, Mortgage · Line of Credit CLEAR LAKE BANK & TRUST CO
Jan 6, 2023	Deed of Trust, Mortgage · Line of Credit RELIANCE STATE BANK
Dec 22, 2020	Deed of Trust, Mortgage · Commercial Mortgage CLEAR LAKE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2025 · Amount on Record
Deed Sale	Jan 20, 2025 · Amount on Record
Prior Sale	May 9, 2023 · Amount on Record
Deed Document Number	2025137
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	590 STATE ST, GARNER, IA 50438-1456
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230805
Date	May 9, 2023
Instrument	23-0805

Lender

Name	CLEAR LAKE BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2033

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	590 STATE ST, GARNER, IA 50438-1456
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230039
Date	Jan 6, 2023
Instrument	23-0039

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	590 STATE ST, GARNER, IA 50438-1456
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202859
Date	Dec 22, 2020
Instrument	20-2859

Lender

Name	CLEAR LAKE BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 14, 2021

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	$3,456.00 (+0.06%)	$250,140 (+18.57%) Land $13,820 Building $236,320	$250,140 (+18.57%) Land $13,820 Building $236,320
2024	$3,454.00 (+129.65%)
2023		$210,960 (+134.53%) Land $8,060 Building $202,900	$210,960 (+134.53%) Land $8,060 Building $202,900
2022	$1,504.00	$89,950 Land $8,060 Building $81,890
2021			$89,950 Land $8,060 Building $81,890

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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