Hancock County property record for 820 Division St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,774 sqft · built 1957 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Last Sale | $263,000 (Dec 2021) |
| Tax Bill | $4,604 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2108060015 |
| Primary APN | 2108060015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,774 sqft Living Area |
| Basement Area | 1,157 sqft |
| Finished Basement | 766 sqft |
| Game Room | Game Room |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 150 ft deep x 125 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,528 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 92 sqft |
| Patio Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 820 DIVISION ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1651 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEYMOUR'S TR 125' X 150' NE COR 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 |
820 Division 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 | 820 DIVISION ST, GARNER, IA 50438-1651 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2021 · Amount on File |
| Deed Sale | Dec 9, 2021 · Amount on File |
| Deed Document Number | 20212854 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 820 DIVISION ST, GARNER, IA 50438-1651 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000212855 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 21-2855 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 820 Division St was $4,604 with a homeowner's exemption, down 0.5% from the year before.
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 | $4,604.00 (-0.48%) Homeowner's exemption | $344,170 Land $44,180 Building $299,990 | $344,170 Land $44,180 Building $299,990 |
| 2024 | $4,626.00 | ||
| 2023 | $296,940 (-) Land $31,560 Building $265,380 | $296,940 Land $31,560 Building $265,380 | |
| 2022 | $4,967.00 | $296,940 Land $31,560 Building $265,380 | |
| 2021 | $296,940 Land $31,560 Building $265,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 Division 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 risk around 820 Division 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 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 411 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 · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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