Hancock County property record for 840 Division St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,516 sqft · built 1950 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,154 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2108060016 |
| Primary APN | 2108060016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| Basement Area | 1,212 sqft |
| Finished Basement | 600 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,983 sqft (0.321 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 216 sqft |
| Patio Area | 150 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 840 DIVISION ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1618 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEYMOUR'S TR N 112' OF S 180' OF E 125' 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 |
840 Division St is owned and occupied by two individuals.
Source: Hancock County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 840 DIVISION ST, GARNER, IA 50438-1618 |
| 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.
| Date | Document |
|---|---|
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Nov 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Dec 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 840 DIVISION ST, GARNER, IA 50438-1618 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000211670 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 21-1670 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 1, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 840 DIVISION ST, GARNER, IA 50438-1618 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000212663 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 21-2663 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 1, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 840 DIVISION ST, GARNER, IA 50438-1618 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 192246 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 19-2246 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2035 |
The 2025 property tax bill for 840 Division St was $3,154 with a homeowner's exemption, up 2.4% 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 | $3,154.00 (+2.4%) Homeowner's exemption | $239,220 Land $36,870 Building $202,350 | $239,220 Land $36,870 Building $202,350 |
| 2024 | $3,080.00 | ||
| 2023 | $218,550 (+12.89%) Land $26,330 Building $192,220 | $218,550 Land $26,330 Building $192,220 | |
| 2022 | $3,093.00 Homeowner's exemption | $193,590 Land $26,330 Building $167,260 | |
| 2021 | $193,590 Land $26,330 Building $167,260 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 840 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 840 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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