645 Rose Ave, Garner, IA 50438 Property Records

Hancock County property record for 645 Rose Ave, Garner, IA 50438 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,044 sqft · built 1925
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$167,000 (Jun 2024)
Tax Bill	$1,696 (2025)
Deeds & Mortgages	Aug 2021 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`2101420060`

Property Details

APN / Parcel Number

Primary APN	`2101420060`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	720 sqft
Attic	Attic
Attic Area	324 sqft
Basement Area	720 sqft
Finished Basement	80 sqft
Unfinished Basement	640 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1939
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	645 ROSE AVE
City	GARNER
State	IA
Zip	50438-1528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LOT 6 BLK 42
Legal Subdivision	ORIGINAL TOWN OF GARNER
Legal Block	42
Legal Lot Number	6
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2020
Census Tract	270100

Owner

Source: Hancock County records · APN 2101420060

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	645 ROSE AVE, GARNER, IA 50438-1528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 06, 2024 · Amount on Record
Deed Sale	Jun 06, 2024 · Amount on Record
Prior Sale	Aug 19, 2021 · Amount on Record
Deed Document Number	2024836
Record Updated	Sep 20, 2026

August 2021: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	HANCOCK IA
Recording Date	Aug 19, 2021
Property Address	645 ROSE AVE, GARNER, IA 50438-1528
Document Number	0000211877
Instrument Date	Aug 11, 2021
Instrument	21-1877
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$149.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 ROSE AVE, GARNER, IA 50438-1528

Mortgage

Document Number	0000211878
Date	Aug 19, 2021
Instrument	21-1878

Lender

Name	CHURCHILL MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hancock County records · Assessment roll updated September 29, 2025 · Last verified July 2026

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

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	$1,696.00	$129,550 (+12.94%) Land $19,800 Building $109,750	$129,550 (+12.94%) Land $19,800 Building $109,750
2024	$1,696.00 (+13.83%)
2023		$114,710 (+17.05%) Land $11,550 Building $103,160	$114,710 (+17.05%) Land $11,550 Building $103,160
2022	$1,490.00 Homeowner's exemption	$98,000 Land $11,550 Building $86,450
2021			$98,000 Land $11,550 Building $86,450

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hancock County (19081C), updated October 26, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 229 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Communications 1 Network	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Winnebago Cooperative Telecom Association. Availability varies by address; speeds are provider-advertised maximums, not measured.