645 State St, Garner, IA 50438 Property Records

Hancock County property record for 645 State St, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,076 sqft · built 1938
Lot Size	0.127 acres (5,532 sqft)
Owner	Individual Name on File
Last Sale	$131,500 (Dec 2021)
Tax Bill	$1,644 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2101270120`

Property Details

APN / Parcel Number

Primary APN	`2101270120`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,076 sqft Living Area
1st Floor Area	720 sqft
Attic	Attic
Attic Area	324 sqft
Basement Area	720 sqft
Finished Basement	272 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,532 sqft (0.127 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	645 STATE ST
City	GARNER
State	IA
Zip	50438-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LOTS 11 & 12 BLK 27
Legal Subdivision	GARNER HANCOCK COUNTY
Legal Block	27
Legal Lot Number	11&12
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1025
Census Tract	270100

Owner

645 State St is owned and occupied by an individual who bought it in December 2021.

Source: Hancock County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	645 STATE ST, GARNER, IA 50438-1541
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 9, 2022	Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK
Dec 6, 2021	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Prior Sale	Jan 29, 2013 · Amount on File
Deed Document Number	20212813
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	645 STATE ST, GARNER, IA 50438-1541
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220537
Date	Mar 9, 2022
Instrument	22-0537

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Dec 6, 2021
Property Address	645 STATE ST, GARNER, IA 50438-1541
Document Number	0000212813
Instrument Date	Dec 3, 2021
Instrument	21-2813
Transaction Type	Transfer
Record Updated	Mar 30, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 STATE ST, GARNER, IA 50438-1541

Mortgage

Document Number	0000212814
Date	Dec 6, 2021
Instrument	21-2814

Lender

Name	PLAINS COMMERCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 645 State St was $1,644 with a homeowner's exemption, up 3.5% from the year before.

Source: Hancock County assessment roll, as of September 29, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,644.00 (+3.53%) Homeowner's exemption	$129,930 Land $13,820 Building $116,110	$129,930 Land $13,820 Building $116,110
2024	$1,588.00
2023		$116,900 (+8.93%) Land $8,060 Building $108,840	$116,900 Land $8,060 Building $108,840
2022	$1,646.00 Homeowner's exemption	$107,320 Land $8,060 Building $99,260
2021			$107,320 Land $8,060 Building $99,260

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

Flood

FEMA maps place 645 State St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 645 State St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 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.

Drinking Water

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

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 274 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

May also be available: Winnebago Cooperative Telecom Association.

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