605 4th St, Garwin, IA 50632 Property Records

Tama County property record for 605 4th St, Garwin, IA 50632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,908 sqft · built 1952
Lot Size	0.347 acres (15,115 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Oct 2024)
Tax Bill	$2,384 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09.14.207.014`

Property Details

APN / Parcel Number

Primary APN	`09.14.207.014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,908 sqft Living Area
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	15,115 sqft (0.347 acres)
Garage Type	Detached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Deck Area	84 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	605 4TH ST
City	GARWIN
State	IA
Zip	50632-9588
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 24 & N15' LT 25 BLK 14 ORIGINAL & S10' ALLEY S OF LOTS 1-3 & E18.5' LOT 4 BLK 14
Legal Subdivision	ORIGINAL TOWN
Legal Block	14
Legal Lot Number	1-3
Jurisdiction	TAMA IA
Township / Civil Division	CARLTON
Census Block Group	3
Census Block	3042
Census Tract	290300

Owner

605 4th St is owned and occupied by two individuals who bought it in October 2024.

Source: Tama County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	605 4TH ST, GARWIN, IA 50632-9588
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
May 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2024 · Amount on File
Deed Sale	Oct 11, 2024 · Amount on File
Prior Sale	Dec 3, 2009 · Amount on File
Deed Document Number	20242327
Prior Transfer Date	Oct 9, 2024
Prior Transfer Doc	0020242330
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	605 4TH ST, GARWIN, IA 50632-9588
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020212049
Date	Jun 28, 2021
Instrument	2021-2049

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	605 4TH ST, GARWIN, IA 50632-9588
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0970/360
Date	May 5, 2017
Book Page	0970/360
Instrument	2017-1463

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 605 4th St was $2,384.

Source: Tama County assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Tama County
Municipality	Garwin City
Unified School District	GMG Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,384.00	$132,180 Land $7,390 Building $124,790	$132,180 Land $7,390 Building $124,790
2023		$147,030 Land $7,390 Building $139,640	$147,030 Land $7,390 Building $139,640

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

Flood

FEMA maps place 605 4th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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.

Wildfire

Wildfire risk around 605 4th St is low, with a 0.04% annual chance of wildfire.

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	0.04% annual chance
Exposure	None beyond 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	GARWIN WATER SUPPLY serves 481 people · EPA ID IA8637079
Water Source	Purchased groundwater from IA REGIONAL UTILITIES ASSOC (WAVERLY)
Last State Inspection	Aug 2025
Lead	Under 1 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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