Hancock County property record for 655 W 8th St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,522 sqft · built 2003 |
| Lot Size | 0.227 acres (9,888 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,434 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2108060013 |
| Primary APN | 2108060013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,522 sqft Living Area |
| Basement Area | 1,522 sqft |
| Finished Basement | 1,142 sqft |
| Game Room | Game Room |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,888 sqft (0.227 acres) |
| Lot Dimensions | 75 ft deep x 132 ft wide |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 42 sqft |
| Deck Area | 240 sqft |
| Patio Area | 225 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 655 W 8TH ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEYMOUR'S TR 300' W OF NE COR 132' X 75' LOT 1 BLK 6 |
| Legal Subdivision | SEYMOUR'S ADDITION |
| Legal Block | 6 |
| Legal Lot Number | 1 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2026 |
| 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 | 655 W 8TH ST, GARNER, IA 50438-1607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO |
| Aug 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK AND TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 28, 2024 |
| Transfer Doc | 0000001026 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 655 W 8TH ST, GARNER, IA 50438-1607 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000202647 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 20-2647 |
| Name | CLEAR LAKE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 655 W 8TH ST, GARNER, IA 50438-1607 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 17-1536 |
|---|---|
| Date | Aug 25, 2017 |
| Instrument | 17-1536 |
| Name | CLEAR LAKE BANK AND TRUST CO |
|---|---|
| Type | Bank |
| Address | CLEAR LAKE, IA 50428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
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 | $4,434.00 (+2.5%) Homeowner's exemption | $331,910 (+9.64%) Land $30,150 Building $301,760 | $331,910 (+9.64%) Land $30,150 Building $301,760 |
| 2024 | $4,326.00 (-3.78%) | ||
| 2023 | $302,720 (+8.92%) Land $22,620 Building $280,100 | $302,720 (+8.92%) Land $22,620 Building $280,100 | |
| 2022 | $4,496.00 Homeowner's exemption | $277,940 Land $22,500 Building $255,440 | |
| 2021 | $277,940 Land $22,500 Building $255,440 |
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 96% of the US · lower than 71% 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.
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 121 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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