Hancock County property record for 995 Cobblestone Ln, Garner, IA 50438
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,199 sqft · built 2006 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,000 (Aug 2022) |
| Tax Bill | $7,332 (2025) |
| Deeds & Mortgages | Aug 2022 Reverse Mortgage Aug 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2138000240 |
| Primary APN | 2138000240 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,199 sqft Living Area |
| 1st Floor Area | 2,199 sqft |
| Basement Area | 2,199 sqft |
| Finished Basement | 1,700 sqft |
| Unfinished Basement | 499 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Attached |
| Garage Area | 904 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 335 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 995 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 24 |
| Legal Subdivision | COBBLESTONE ESTATES 3RD SUBDIVISION |
| Legal Lot Number | 24 |
| Jurisdiction | HANCOCK IA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2027 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 995 COBBLESTONE LN, GARNER, IA 50438-1754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage · Reverse Mortgage HUD |
| Aug 30, 2022 | Intrafamily Transfer, Transfer · Reverse Mortgage BROKERS SOLUTIONS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2022 · Amount on Record |
| Deed Sale | Aug 30, 2022 · Amount on Record |
| Deed Document Number | 20221733 |
| Prior Transfer Date | Aug 19, 2022 |
| Prior Transfer Doc | 0000001733 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK IA |
| Property Address | 995 COBBLESTONE LN, GARNER, IA 50438-1754 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000221735 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 22-1735 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 817 Months |
| Due | Sep 7, 2090 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HANCOCK IA |
| Recording Date | Aug 30, 2022 |
| Property Address | 995 COBBLESTONE LN, GARNER, IA 50438-1754 |
| Document Number | 0000221733 |
| Instrument Date | Aug 19, 2022 |
| Instrument | 22-1733 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 995 COBBLESTONE LN, GARNER, IA 50438-1754 |
| Document Number | 0000221734 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 22-1734 |
| Name | BROKERS SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 817 Months |
| Due | Sep 7, 2090 |
| Rate Type | Fixed Rate |
|---|
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 | $7,332.00 (+0.38%) Homeowner's exemption | $556,220 (+7.4%) Land $61,250 Building $494,970 | $556,220 (+7.4%) Land $61,250 Building $494,970 |
| 2024 | $7,304.00 (-6.68%) | ||
| 2023 | $517,880 (+8.6%) Land $49,000 Building $468,880 | $517,880 (+8.6%) Land $49,000 Building $468,880 | |
| 2022 | $7,827.00 Homeowner's exemption | $476,860 Land $49,000 Building $427,860 | |
| 2021 | $476,860 Land $49,000 Building $427,860 |
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 | 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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