900 Front St, Garber, IA 52048 Property Records

Clayton County property record for 900 Front St, Garber, IA 52048

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,625 sqft · built 2000
Lot Size	0.98 acres (42,688 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Nov 2020)
Tax Bill	$888 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2836153001`

Property Details

APN / Parcel Number

Primary APN	`2836153001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,625 sqft Living Area
Basement Area	630 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,688 sqft (0.98 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	313 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	900 FRONT ST
City	GARBER
State	IA
Zip	52048-8096
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 1 OF 2 36 92 4
Legal Lot Number	1
Jurisdiction	CLAYTON IA
Township / Civil Division	VOLGA
Census Block Group	1
Census Block	1046
Census Tract	70500

Owner

900 Front St, a mobile home, is owned and occupied by two individuals who bought it in November 2020.

Source: Clayton County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	900 FRONT ST, GARBER, IA 52048-8096
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2025	Deed of Trust, Mortgage · Line of Credit FREEDOMBANK
Nov 6, 2020	Warranty Deed, Transfer · Conventional Mortgage FREEDOM BANK
Dec 29, 2017	Contract Sale, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2020 · Amount on File
Deed Sale	Nov 6, 2020 · Amount on File
Prior Sale	Dec 29, 2017 · Amount on File
Deed Document Number	20204537
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	900 FRONT ST, GARBER, IA 52048-8096
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 FRONT ST, GARBER, IA 52048-8096

Mortgage

Document Number	2025R02431
Date	Aug 27, 2025
Instrument	2025R02431

Lender

Name	FREEDOMBANK
Type	Bank
Address	ELKADER, IA 52043

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Sep 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAYTON IA
Recording Date	Nov 6, 2020
Property Address	900 FRONT ST, GARBER, IA 52048-8096
Document Number	2020R04537
Map Reference	PB 1 PG 317
Instrument Date	Nov 6, 2020
Instrument	2020R04537
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Amount	Amount on Record
Tax	$119.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	900 FRONT ST, GARBER, IA 52048-8096

Mortgage

Document Number	2020R04707
Date	Nov 6, 2020
Instrument	2020R04707

Lender

Name	FREEDOM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	62 Months
Due	Jan 5, 2026

Interest

Rate Type	Fixed Rate

December 2017: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	CLAYTON IA
Recording Date	Dec 29, 2017
Property Address	900 FRONT ST, GARBER, IA 52048-8096
Document Number	2017RO4205
Instrument Date	Jul 18, 2017
Instrument	2017RO4205
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607E E MORRISON ST, EDGEWOOD, IA 52042-8729

Tax Assessment & Valuation

The 2025 property tax bill for 900 Front St was $888 with a homeowner's exemption, up 3% from the year before.

Source: Clayton County assessment roll, as of November 3, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clayton County
Municipality	Garber City
Unified School District	Central Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$888.00 (+3.02%) Homeowner's exemption	$78,590 Land $18,596 Building $59,994	$78,590 Land $18,596 Building $59,994
2024	$862.00
2023		$70,648 Land $16,170 Building $54,478	$70,648 Land $16,170 Building $54,478
2022	$964.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 900 Front St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 28, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	20 (1991–2017)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Jul 2017 · other causes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 13 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 900 Front St is low, with 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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alpine Communications Fiber	500 / 500

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Front St

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