Hancock County property record for 640 Rose Ave, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,875 sqft · built 1910 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $146,000 (Jun 2020) |
| Tax Bill | $2,846 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Jun 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2101470090 |
| Primary APN | 2101470090 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,875 sqft Living Area |
| 1st Floor Area | 1,083 sqft |
| Basement Area | 396 sqft |
| Unfinished Basement | 396 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| 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 | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 192 sqft |
| Patio Area | 88 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 640 ROSE AVE |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG LOT 9 BLK 47 |
| Legal Subdivision | GARNER |
| Legal Block | 47 |
| Legal Lot Number | 9 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 270100 |
Source: Hancock County records · APN 2101470090
Assessment roll updated September 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 640 ROSE AVE, GARNER, IA 50438-1529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · Line of Credit RELIANCE STATE BANK |
| Jun 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMEWARD CORP |
| Jul 08, 2024 | Deed of Trust, Mortgage · Line of Credit RELIANCE STATE BANK |
| Jun 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMEWARD CORP |
| Jun 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK |
| Jun 01, 2020 | Warranty Deed, Transfer · Conventional Mortgage RELIANCE STATE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 01, 2020 · Amount on Record |
| Deed Sale | Jun 01, 2020 · Amount on Record |
| Deed Document Number | 20201014 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 640 ROSE AVE, GARNER, IA 50438-1529 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000220341 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 22-0341 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 640 ROSE AVE, GARNER, IA 50438-1529 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000201054 |
|---|---|
| Date | Jun 05, 2020 |
| Instrument | 20-1054 |
| Name | HOMEWARD CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 29, 2025 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 640 ROSE AVE, GARNER, IA 50438-1529 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000241070 |
|---|---|
| Date | Jul 08, 2024 |
| Instrument | 24-1070 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Address | GARNER, IA 50438 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 640 ROSE AVE, GARNER, IA 50438-1529 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000201054 |
|---|---|
| Date | Jun 05, 2020 |
| Instrument | 20-1054 |
| Name | HOMEWARD CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 29, 2025 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 640 ROSE AVE, GARNER, IA 50438-1529 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000201016 |
|---|---|
| Date | Jun 01, 2020 |
| Instrument | 20-1016 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Jun 01, 2020 |
| Property Address | 640 ROSE AVE, GARNER, IA 50438-1529 |
| Document Number | 0000201014 |
| Instrument Date | May 29, 2020 |
| Instrument | 20-1014 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $232.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 ROSE AVE, GARNER, IA 50438-1529 |
| Document Number | 0000201015 |
|---|---|
| Date | Jun 01, 2020 |
| Instrument | 20-1015 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Number | 0000201016 |
|---|---|
| Date | Jun 01, 2020 |
| Instrument | 20-1016 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2035 |
| Rate Type | Fixed Rate |
|---|
Source: Hancock County records · Assessment roll updated September 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Hancock County |
| Municipality | Garner City |
| Unified School District | Garner-Hayfield-Ventura Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,846.00 | $211,260 (+10.78%) Land $19,800 Building $191,460 | $211,260 (+10.78%) Land $19,800 Building $191,460 |
| 2024 | $2,846.00 (-1.9%) | ||
| 2023 | $190,710 (+10.09%) Land $11,550 Building $179,160 | $190,710 (+10.09%) Land $11,550 Building $179,160 | |
| 2022 | $2,901.00 | $173,230 Land $11,550 Building $161,680 | |
| 2021 | $173,230 Land $11,550 Building $161,680 |
Source: FEMA National Flood Hazard Layer as of October 26, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Communications 1 Network Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Winnebago Cooperative Telecom Association.
Based on FCC filings for 229 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARNER WATER WORKS serves 3,065 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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