Hancock County property record for 740 Rose Ave, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,040 sqft · built 1957 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $93,000 (Nov 2019) |
| Tax Bill | $1,516 (2025) |
| Deeds & Mortgages | Nov 2015 Mortgage Nov 2019 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2101470040 |
| Primary APN | 2101470040 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 740 ROSE AVE |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG LOT 4 BLK 47 |
| Legal Block | 47 |
| Legal Lot Number | 4 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 270100 |
Source: Hancock County records · APN 2101470040
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Nov 23, 2015 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Nov 14, 2019 | Deed of Trust, Mortgage · Stand-Alone First Mortgage RELIANCE STATE BANK |
| Mar 29, 2010 | Deed of Trust, Mortgage LIBERTY BANK FSB |
| Mar 11, 2010 | Deed of Trust, Mortgage · Conventional Mortgage INHERITANCE FUNDING CO INC |
| Nov 14, 2019 | Deed of Trust, Mortgage · Stand-Alone First Mortgage RELIANCE STATE BANK |
| Nov 14, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage RELIANCE STATE BANK |
| Dec 11, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage CLEAR LAKE BANK & TRUST |
| May 27, 2010 | Legal Action/Court Order, Foreclosure · FHA Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 14, 2019 · Amount on Record |
| Deed Sale | Nov 14, 2019 · Amount on Record |
| Prior Sale | Dec 11, 2018 · Amount on Record |
| Deed Document Number | 20191967 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000152219 |
|---|---|
| Date | Nov 23, 2015 |
| Instrument | 15-2219 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000191969 |
|---|---|
| Date | Nov 14, 2019 |
| Instrument | 19-1969 |
| Name | RELIANCE STATE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000100529 |
|---|---|
| Date | Mar 29, 2010 |
| Instrument | 10-0529 |
| Name | LIBERTY BANK FSB |
|---|---|
| Type | Bank |
| Address | GARNER, IA 50438 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Mar 11, 2011 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000100423 |
|---|---|
| Date | Mar 11, 2010 |
| Instrument | 10-0423 |
| Name | INHERITANCE FUNDING CO INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000191969 |
|---|---|
| Date | Nov 14, 2019 |
| Instrument | 19-1969 |
| Name | RELIANCE STATE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Nov 14, 2019 |
| Property Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Document Number | 0000191967 |
| Instrument Date | Nov 12, 2019 |
| Instrument | 19-1967 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Document Number | 0000191968 |
|---|---|
| Date | Nov 14, 2019 |
| Instrument | 19-1968 |
| Name | RELIANCE STATE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Dec 11, 2018 |
| Property Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Document Number | 0000182319 |
| Instrument Date | Dec 07, 2018 |
| Instrument | 18-2319 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Document Number | 0000182320 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 18-2320 |
| Name | CLEAR LAKE BANK & TRUST |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jan 01, 2024 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | May 27, 2010 |
| Property Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Document Number | 0000100832 |
| Instrument Date | May 16, 2010 |
| Instrument | 10-0832 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $96.80 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 740 ROSE AVE, GARNER, IA 50438-1545 |
| Document Number | 0000100833 |
|---|---|
| Date | May 27, 2010 |
| Instrument | 10-0833 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2040 |
Source: Hancock County records · Assessment roll updated September 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Hancock County |
| Municipality | Garner City |
| Unified School District | Garner-Hayfield-Ventura Community School District (PK - 12) |
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 | $1,516.00 | $116,540 (+13.72%) Land $19,800 Building $96,740 | $116,540 (+13.72%) Land $19,800 Building $96,740 |
| 2024 | $1,516.00 (-10.24%) | ||
| 2023 | $102,480 (+1.76%) Land $11,550 Building $90,930 | $102,480 (+1.76%) Land $11,550 Building $90,930 | |
| 2022 | $1,689.00 | $100,710 Land $11,550 Building $89,160 | |
| 2021 | $100,710 Land $11,550 Building $89,160 |
Source: FEMA National Flood Hazard Layer as of October 26, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Communications 1 Network Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 411 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARNER WATER WORKS serves 3,065 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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