Hancock County property record for 640 W Lyons St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,208 sqft · built 1977 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $162,000 (Mar 2008) |
| Tax Bill | $4,266 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2108050040 |
| Primary APN | 2108050040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,208 sqft Living Area |
| 1st Floor Area | 2,208 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | 96 sqft |
| Patio Area | 168 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 640 W LYONS ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEYMOUR'S TR IN LOT 4 BLK 5 |
| Legal Subdivision | SEYMOUR'S ADDITION |
| Legal Block | 5 |
| Legal Lot Number | 4 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 270100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 640 W LYONS ST, GARNER, IA 50438-1948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2024 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jun 10, 2021 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Nov 21, 2019 | Deed of Trust, Mortgage · VA Mortgage PLAINS COMMERCE BANK |
| Nov 28, 2017 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2008 · Amount on Record |
| Deed Sale | Mar 4, 2008 · Amount on Record |
| Deed Document Number | 2008506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 640 W LYONS ST, GARNER, IA 50438-1948 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000240404 |
|---|---|
| Date | Mar 27, 2024 |
| Instrument | 24-0404 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 640 W LYONS ST, GARNER, IA 50438-1948 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000211239 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 21-1239 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 640 W LYONS ST, GARNER, IA 50438-1948 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2019 |
| Name | Verified Name |
|---|
| Document Number | 192024 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 19-2024 |
| Name | PLAINS COMMERCE BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 640 W LYONS ST, GARNER, IA 50438-1948 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 17-2227 |
|---|---|
| Date | Nov 28, 2017 |
| Instrument | 17-2227 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2032 |
Source: Hancock County assessment roll, as of September 29, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Hancock County |
| Municipality | Garner City |
| Unified School District | Garner-Hayfield-Ventura Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,266.00 (+1.81%) Homeowner's exemption | $343,250 (+8.73%) Land $57,460 Building $285,790 | $343,250 (+8.73%) Land $57,460 Building $285,790 |
| 2024 | $4,190.00 (-8.19%) | ||
| 2023 | $315,680 (+10.89%) Land $45,970 Building $269,710 | $315,680 (+10.89%) Land $45,970 Building $269,710 | |
| 2022 | $4,564.00 Homeowner's exemption | $284,670 Land $45,970 Building $238,700 | |
| 2021 | $284,670 Land $45,970 Building $238,700 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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 73 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 |
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