Hancock County property record for 975 Cobblestone Ln, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,024 sqft · built 2013 |
| Lot Size | 0.381 acres (16,596 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,036 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2138000220 |
| Primary APN | 2138000220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,024 sqft Living Area |
| 1st Floor Area | 2,024 sqft |
| Basement Area | 2,024 sqft |
| Unfinished Basement | 2,024 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 16,596 sqft (0.381 acres) |
| Garage Type | Attached |
| Garage Area | 1,224 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 222 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 975 COBBLESTONE LN |
|---|---|
| City | GARNER |
| State | IA |
| Zip | 50438-1754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COBBLESTONE ESTATES 3RD ADD LOT 22 & N 1/2 LOT 23 |
| Legal Subdivision | COBBLESTONE ESTATES 3RD SUBDIVISION |
| Legal Lot Number | 22 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 270100 |
975 Cobblestone Ln is owned and occupied by an individual who acquired it in January 2025.
Source: Hancock County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 975 COBBLESTONE LN, GARNER, IA 50438-1754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 | Jan 31, 2025 |
| Deed Sale | Jan 31, 2025 |
| Deed Document Number | 2025222 |
| Prior Transfer Date | Jan 17, 2025 |
| Prior Transfer Doc | 0000000222 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 975 COBBLESTONE LN, GARNER, IA 50438-1754 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000202132 |
|---|---|
| Date | Oct 8, 2020 |
| Instrument | 20-2132 |
| Name | CLEAR LAKE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 975 Cobblestone Ln was $6,036 with a homeowner's exemption, down 1.3% 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 | $6,036.00 (-1.28%) Homeowner's exemption | $447,840 Land $60,140 Building $387,700 | $447,840 Land $60,140 Building $387,700 |
| 2024 | $6,114.00 | ||
| 2023 | $423,600 (+8.22%) Land $56,600 Building $367,000 | $423,600 Land $56,600 Building $367,000 | |
| 2022 | $6,399.00 Homeowner's exemption | $391,430 Land $56,600 Building $334,830 | |
| 2021 | $391,430 Land $56,600 Building $334,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 975 Cobblestone Ln 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.
The area around 975 Cobblestone Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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