710 W 5th St, Garner, IA 50438 Property Records

Hancock County property record for 710 W 5th St, Garner, IA 50438

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1955
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,206 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2111020160`

Property Details

APN / Parcel Number

Primary APN	`2111020160`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Mixed
Garage Area	1,188 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	Deck Area
Patio Area	140 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	710 W 5TH ST
City	GARNER
State	IA
Zip	50438-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLEAR VIEW E 1/2 LOT 15 & LOT 16 BLK 2
Legal Subdivision	CLEARVIEW ADDITION
Legal Block	2
Legal Lot Number	15
Jurisdiction	HANCOCK IA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2009
Census Tract	270100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	710 W 5TH ST, GARNER, IA 50438-1414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTH IA COMMUNITY CREDIT UNION
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO
May 15, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 15, 2018
Transfer Doc	0000180876
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Recording Date	May 15, 2026
Property Address	710 W 5TH ST, GARNER, IA 50438-1414
Document Number	0000000752
Instrument Date	May 8, 2026
Instrument	2026752
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 W 5TH ST, GARNER, IA 50438-1414

Mortgage

Document Number	0000000752,
Date	May 15, 2026
Instrument	2026752

Lender

Name	NORTH IA COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 15, 2041

Interest

Rate Type	Fixed Rate
Rate	5.74%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IA
Property Address	710 W 5TH ST, GARNER, IA 50438-1414
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202790
Date	Dec 14, 2020
Instrument	20-2790

Lender

Name	CLEAR LAKE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HANCOCK IA
Recording Date	May 15, 2018
Property Address	710 W 5TH ST, GARNER, IA 50438-1414
Document Number	00000180876
Instrument Date	May 15, 2018
Instrument	0000018-0876
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 W 5TH ST, GARNER, IA 50438-1414

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	$2,206.00 (+6.57%) Homeowner's exemption	$185,250 (+13.01%) Land $29,700 Building $155,550	$185,250 (+13.01%) Land $29,700 Building $155,550
2024	$2,070.00 (-7.17%)
2023		$163,930 (+15.23%) Land $17,330 Building $146,600	$163,930 (+15.23%) Land $17,330 Building $146,600
2022	$2,230.00 Homeowner's exemption	$142,260 Land $17,330 Building $124,930
2021			$142,260 Land $17,330 Building $124,930

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	Low lower than 98% of the US · lower than 82% 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 229 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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