Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$127,042$156 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $85,000 on Oct 31, 2012

540 DIVISION ST

GARNER, IA 50438
2
Beds
1
Baths
812 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$127K
$108K low$146K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$85,000 · Oct 31, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,688 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$122,180 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,590
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$91,590
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$103,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$122,180

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.23 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHANCOCK
Lot (acres)The size of the land the home sits on, from county records.0.33
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 192 ft²Patio · 112 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Garner-Hayfield-Ventura Middle School
Middle · Grades 5–8 · 0.4 mi
E
Garner-Hayfield-Ventura Elementary SchoolA+
Elementary · Grades PK–4 · 0.4 mi
H
Garner-Hayfield-Ventura High SchoolA-
High · Grades 9–12 · 0.7 mi

District: Garner-Hayfield-Ventura Community School District

Neighborhood · ZIP 50438These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.4,303
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.32 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,867
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,923
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.33 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

540 Division St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 87% of homes in Garner 50438
  • Costs more per square foot than 73% of homes in Hancock County
  • Smaller than 96% of homes in Garner 50438
  • Older than 65% of homes in Garner 50438

What homes are worth in Garner 50438

Each bar is how many homes fall in that price range. The marker is this home.

This home
$75K$511K

This home is worth more than 13% of homes in Garner 50438.

How it measures up in Garner 50438

The dot is this home. The mark in the middle is the typical home in Garner 50438.

Estimated value$127,042
CheaperTypical $226,232Pricier

Pricier than 13% of homes nearby

Price per ft²$156
CheaperTypical $163Pricier

Pricier than 45% of homes nearby

Living area812 ft²
SmallerTypical 1,444 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.33 ac
SmallerTypical 0.27 acBigger

Bigger than 63% of homes nearby

Year built1945
OlderTypical 1965Newer

Newer than 35% of homes nearby

How 540 Division St ranks against every home in each area.
MeasureThis homeGarner 50438Hancock County
Estimated valuepricier than$127,04213% of homes50% of homes
Price per ft²pricier than$15645% of homes73% of homes
Living areabigger than812 ft²4% of homes5% of homes
Lot sizebigger than0.33 ac63% of homes51% of homes
Year builtnewer than194535% of homes44% of homes

About 540 Division St

How much is 540 Division St, Garner, IA worth?

The TopHap Estimate for 540 Division St, Garner, IA is $127,042 as of Sep 24, 2026. The likely range is $108,176 to $145,908. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 Division St, Garner, IA last sell?

540 Division St, Garner, IA last sold on Oct 31, 2012 for $85,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 540 Division St, Garner, IA?

540 Division St, Garner, IA has 2 bedrooms, 1 bathrooms, 812 square feet of living space and a 0.33-acre lot.

When was 540 Division St, Garner, IA built?

540 Division St, Garner, IA was built in 1945, making it 81 years old. The building has 1 story.

What schools serve 540 Division St, Garner, IA?

540 Division St, Garner, IA is assigned to Garner-Hayfield-Ventura Middle School (middle); Garner-Hayfield-Ventura Elementary School (elementary), rated A+; Garner-Hayfield-Ventura High School (high), rated A-. All sit in Garner-Hayfield-Ventura Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Division St, Garner, IA compare to other homes in Garner 50438?

Among the 1,700 homes in Garner 50438, it is worth more than 13% of them ($127,042 against a typical $226,232), its price per square foot is higher than 45% of them ($156 against a typical $163), it is bigger than 4% of them (812 ft² against a typical 1,444 ft²), its lot is bigger than 63% of them (0.33 ac against a typical 0.27 ac) and it is newer than 35% of them (1945 against a typical 1965). Measured against all of Hancock County, it is worth more than 50% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 540 Division St, Garner, IA?

The 2025 property tax bill for 540 Division St, Garner, IA was $1,688. The county assessed it at $122,180.

More homes on Division St

Closest homes

More homes in Garner 50438

Assigned schools

Explore the area

See this home in context

Open 540 Division St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map