Hancock County property record for 855 Division St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,140 sqft · built 1954 |
| Lot Size | 0.219 acres (9,540 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $39,000 (Mar 2010) |
| Tax Bill | $2,186 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Apr 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2108010082 |
| Primary APN | 2108010082 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,140 sqft |
| Finished Basement | 325 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,540 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 225 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 855 DIVISION ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEYMOUR'S N 13.5' OF W 120' LOT 7 & W 120' OF S 4 RDS LOT 8 BLK 1 |
| Legal Subdivision | SEYMOUR'S ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2025 |
| 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 | 855 DIVISION ST, GARNER, IA 50438-1617 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Sep 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK |
| Apr 20, 2017 | Deed of Trust, Mortgage RELIANCE STATE BANK |
| Feb 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2010 · Amount on Record |
| Deed Sale | Mar 2, 2010 · Amount on Record |
| Deed Document Number | 2010369 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 855 DIVISION ST, GARNER, IA 50438-1617 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000171750 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 17-1750 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Address | GARNER, IA 50438 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 855 DIVISION ST, GARNER, IA 50438-1617 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000170620 |
|---|---|
| Date | Apr 20, 2017 |
| Instrument | 17-0620 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Address | GARNER, IA 50438 |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 855 DIVISION ST, GARNER, IA 50438-1617 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000170146 |
|---|---|
| Date | Feb 1, 2017 |
| Instrument | 17-0146 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Address | GARNER, IA 50438 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2032 |
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 | $2,186.00 (+3.6%) Homeowner's exemption | $169,150 (+10.65%) Land $26,990 Building $142,160 | $169,150 (+10.65%) Land $26,990 Building $142,160 |
| 2024 | $2,110.00 (+5.13%) | ||
| 2023 | $152,870 (-2.34%) Land $19,280 Building $133,590 | $152,870 (-2.34%) Land $19,280 Building $133,590 | |
| 2022 | $2,007.00 Homeowner's exemption Additional exemption filed | $156,530 Land $19,280 Building $137,250 | |
| 2021 | $156,530 Land $19,280 Building $137,250 |
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 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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