Hancock County property record for 955 Pebblestone St, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,769 sqft · built 2002 |
| Lot Size | 0.309 acres (13,460 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Jul 2021) |
| Tax Bill | $6,102 (2025) |
| Deeds & Mortgages | Sep 2019 Refinance Oct 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2136000170 |
| Primary APN | 2136000170 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 1,769 sqft Living Area |
| 1st Floor Area | 1,769 sqft |
| Basement Area | 1,769 sqft |
| Finished Basement | 1,680 sqft |
| Unfinished Basement | 89 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,460 sqft (0.309 acres) |
| Garage Type | Attached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 122 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 955 PEBBLESTONE ST |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COBBLESTONE ESTATES 2ND ADD LOT 17 |
| Legal Subdivision | COBBLESTONE ESTATES 2ND SUBDIVISION |
| Legal Lot Number | 17 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 270100 |
955 Pebblestone St is owned and occupied by two individuals who bought it in July 2021.
Source: Hancock County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 955 PEBBLESTONE ST, GARNER, IA 50438-1749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Sep 4, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE STATE BANK |
| Oct 8, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE STATE BANK |
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE STATE BANK |
| Jul 7, 2021 | Warranty Deed, Transfer · Conventional Mortgage CLEAR LAKE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2021 · Amount on File |
| Deed Sale | Jul 7, 2021 · Amount on File |
| Deed Document Number | 20211483 |
| Prior Transfer Date | Nov 29, 2012 |
| Prior Transfer Doc | 0000002689 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 955 PEBBLESTONE ST, GARNER, IA 50438-1749 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000191527 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 19-1527 |
| Name | RELIANCE STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 955 PEBBLESTONE ST, GARNER, IA 50438-1749 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000191720 |
|---|---|
| Date | Oct 8, 2019 |
| Instrument | 19-1720 |
| Name | RELIANCE STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 955 PEBBLESTONE ST, GARNER, IA 50438-1749 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000202907 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 20-2907 |
| Name | RELIANCE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 23, 2021 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Jul 7, 2021 |
| Property Address | 955 PEBBLESTONE ST, GARNER, IA 50438-1749 |
| Document Number | 0000211483 |
| Instrument Date | Jun 14, 2021 |
| Instrument | 21-1483 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $519.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 0000211484 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 21-1484 |
| Name | CLEAR LAKE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 955 Pebblestone St was $6,102, up 0.4% 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 | $6,102.00 (+0.36%) | $441,670 Land $49,980 Building $391,690 | $441,670 Land $49,980 Building $391,690 |
| 2024 | $6,080.00 | ||
| 2023 | $411,120 (+9.65%) Land $39,980 Building $371,140 | $411,120 Land $39,980 Building $371,140 | |
| 2022 | $6,266.00 | $374,940 Land $39,980 Building $334,960 | |
| 2021 | $374,940 Land $39,980 Building $334,960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 955 Pebblestone 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 955 Pebblestone 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 96% of the US · lower than 71% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 121 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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