Clayton County property record for 601 E Watson St, Garnavillo, IA 52049
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,400 sqft · built 1992 |
| Lot Size | 0.656 acres (28,578 sqft) |
| Owner | Individual on Record |
| Last Sale | $180,000 (Dec 2022) |
| Tax Bill | $2,966 (2024) |
| Deeds & Mortgages | Nov 2023 Line of Credit Mar 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2917152012 |
| Primary APN | 2917152012 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,400 sqft Living Area |
| Basement Area | 1,400 sqft |
| Finished Basement | 725 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 28,578 sqft (0.656 acres) |
| Lot Dimensions | 132 ft deep x 204 ft wide |
| Deck Area | 224 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 601 E WATSON ST |
|---|---|
| City | GARNAVILLO |
| State | IA |
| Zip | 52049-9721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 12 & 13 RADEMACHERS 3RD ADDITION |
| Legal Subdivision | RADEMACHERS 3RD ADD |
| Legal Lot Number | 12,13 13 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | GARNAVILLO |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 70300 |
Source: Clayton County assessment roll, as of May 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 601 E WATSON ST, GARNAVILLO, IA 52049-9721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 27, 2023 | Deed of Trust, Mortgage · Line of Credit COMMUNITY SAVINGS BANK |
| Mar 29, 2023 | Deed of Trust, Mortgage · Line of Credit COMMUNITY SAVINGS BANK |
| Dec 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SAVINGS BANK |
| Aug 31, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2022 · Amount on Record |
| Deed Sale | Dec 1, 2022 · Amount on Record |
| Prior Sale | Aug 31, 2021 · Amount on Record |
| Deed Document Number | 2022R04331 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 601 E WATSON ST, GARNAVILLO, IA 52049-9721 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 601 E WATSON ST, GARNAVILLO, IA 52049-9721 |
| Document Number | 2023R03177 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 2023R03177 |
| Name | COMMUNITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | EDGEWOOD, IA 52042 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 1, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 601 E WATSON ST, GARNAVILLO, IA 52049-9721 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023R00815 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 2023R00815 |
| Name | COMMUNITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Dec 1, 2022 |
| Property Address | 601 E WATSON ST, GARNAVILLO, IA 52049-9721 |
| Document Number | 2022R04331 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 2022R04331 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $287.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 601 E WATSON ST, GARNAVILLO, IA 52049-9721 |
| Document Number | 2022R04332 |
|---|---|
| Date | Dec 1, 2022 |
| Instrument | 2022R04332 |
| Name | COMMUNITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Aug 31, 2021 |
| Property Address | 601 E WATSON ST, GARNAVILLO, IA 52049-9721 |
| Document Number | 2021R03661 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2021R03661 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $279.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 549, GARNAVILLO, IA 52049-0549 |
Source: Clayton County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | Garnavillo City |
| Unified School District | Clayton Ridge Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $210,978 (+17.81%) Land $29,049 Building $181,929 | $210,978 (+17.81%) Land $29,049 Building $181,929 | |
| 2024 | $2,966.00 (+3.92%) | ||
| 2023 | $179,089 Land $25,260 Building $153,829 | $179,089 Land $25,260 Building $153,829 | |
| 2022 | $2,854.00 |
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 September 28, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1997–2001) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Apr 2001 · Severe Storms, Tornadoes And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 | GARNAVILLO WATER SUPPLY serves 763 people · EPA ID IA2234074 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2022–2024) 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 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Alpine Communications Fiber | 500 / 500 |
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