# 405 State Street, Garner, IA 50438

> **TL;DR:** commercial, $149,900, built 1919. Est. $802/mo. Listed 5 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $149,900 |
| Year Built | 1919 |
| Lot Size | 8,233 sqft (0.19 acres) |
| Property Type | Commercial (Retail) |
| Status | Active |
| Days on Market | 5 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $758 |
| Estimated Insurance | $44 |
| **Total** | **$802** |

## Property Highlights

- Built in 1919
- 0.19 acre lot

## Description

### Agent Description
Turn-Key Restaurant Opportunity in Downtown Garner! Former Pizza Ranch location featuring 4,500+ sq ft with complete commercial kitchen, large dining area, multiple party rooms, and office space. Over 4,500 cars/day plus excellent foot traffic on State Highway 18. Garner boasts 3,000+ residents with $86,000+ average income, just minutes from Clear Lake tourism. County seat location brings consistent traffic. Flexible use: operate full restaurant, split operation/rental, or pure investment. Strong community support, active Chamber, and local bank backing. Strategic location between Mason City, Clear Lake, and Forest City. Ready for immediate operation or your custom concept. Perfect for restaurateur, entrepreneur, or investor!

## Location

- **Address:** 405 State Street, Garner, IA 50438
- **County:** Hancock
- **Coordinates:** 43.101222, -93.601779
- **Google Maps:** https://www.google.com/maps?q=43.101222,-93.601779

## Listing Agent

- **Name:** Jared Hottle
- **Brokerage:** Berkshire Hathaway HomeServices One Realty Centre
- **Phone:** 3192885382
- **Broker Phone:** (319) 233-7000
- **Listing URL:** [View original listing](https://listings.listhub.net/pages/WCFBORIA/20264429/?channel=propsimple)

## Photos

![405 State Street - Photo 1](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f4175315181r.jpg)

![405 State Street - Photo 2](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f1864962497r.jpg)

![405 State Street - Photo 3](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f4093419676r.jpg)

![405 State Street - Photo 4](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f2457148356r.jpg)

![405 State Street - Photo 5](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f3525320310r.jpg)

![405 State Street - Photo 6](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f3407224602r.jpg)

![405 State Street - Photo 7](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f3493302994r.jpg)

![405 State Street - Photo 8](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f3769990172r.jpg)

![405 State Street - Photo 9](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f2541897663r.jpg)

![405 State Street - Photo 10](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f2973481239r.jpg)

![405 State Street - Photo 11](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f678364460r.jpg)

![405 State Street - Photo 12](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f705812813r.jpg)

![405 State Street - Photo 13](http://lh.rdcpix.com/56d2b75fb83067932fac463b4c6bdd17l-f1500122448r.jpg)

---

**MLS#:** 20264429 | **Updated:** 2026-09-15
**Source:** listhub

*Copyright © 2026 Northeast Iowa Regional Board of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/405-state-street-garner-ia-50438-20264429)

---

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