655 W 3rd St, Garner, IA 50438 Property Records

Hancock County property record for 655 W 3rd St, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,738 sqft · built 1930
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Sep 2021)
Tax Bill	$2,814 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2115000020`

Property Details

APN / Parcel Number

Primary APN	`2115000020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,738 sqft Living Area
1st Floor Area	1,118 sqft
Basement Area	880 sqft
Finished Basement	550 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1944
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	1,140 sqft
Parking Spaces	4 Parking Spaces
Deck Area	174 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	655 W 3RD ST
City	GARNER
State	IA
Zip	50438-1210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLEASANT VIEW LOT 2
Legal Subdivision	PLEASANT VIEW ADDITION
Legal Lot Number	2
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2007
Census Tract	270100

Owner

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

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	655 W 3RD ST, GARNER, IA 50438-1210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2017	Deed of Trust, Mortgage RELIANCE STATE BANK
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	20212170
Prior Transfer Date	Mar 21, 2006
Prior Transfer Doc	0000000899
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	655 W 3RD ST, GARNER, IA 50438-1210
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000171472
Date	Aug 16, 2017
Instrument	17-1472

Lender

Name	RELIANCE STATE BANK
Type	Bank
Address	GARBER, IA 52048

Agreement

Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	655 W 3RD ST, GARNER, IA 50438-1210
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000210268
Date	Feb 5, 2021
Instrument	21-0268

Lender

Name	RELIANCE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 1, 2022

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IA
Recording Date	Sep 17, 2021
Property Address	655 W 3RD ST, GARNER, IA 50438-1210
Document Number	0000212170
Instrument Date	Sep 15, 2021
Instrument	21-2170
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$253.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 W 3RD ST, GARNER, IA 50438-1210

Mortgage

Document Number	0000212171
Date	Sep 17, 2021
Instrument	21-2171

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$2,814.00 Homeowner's exemption	$221,460 (+10.48%) Land $25,120 Building $196,340	$221,460 (+10.48%) Land $25,120 Building $196,340
2024	$2,814.00 (-4.48%)
2023		$200,450 (+8.28%) Land $14,650 Building $185,800	$200,450 (+8.28%) Land $14,650 Building $185,800
2022	$2,946.00 Homeowner's exemption	$185,120 Land $14,650 Building $170,470
2021			$185,120 Land $14,650 Building $170,470

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

Flood

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

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

Wildfire Risk	Not rated no wildfire likelihood modeled here

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 229 locations within half a mile, as of December 31, 2025

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.

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