1007 4th St NE, Independence, IA 50644 Property Records

Buchanan County property record for 1007 4th St NE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,152 sqft · built 1959
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$174,000 (Sep 2026)
Tax Bill	$3,040 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0635355002`

Property Details

APN / Parcel Number

Primary APN	`0635355002`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Basement Area	1,152 sqft
Finished Basement	1,152 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	A-Frame
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Lot Area	9,583 sqft (0.22 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1007 4TH ST NE
City	INDEPENDENCE
State	IA
Zip	50644-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MELONES BLK 8 S120'OF N130' EX W5' LOT 2& S120' OF N130' OF2.5' LOT 1
Legal Subdivision	MELONES
Legal Block	8
Legal Lot Number	1-2
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2052
Census Tract	950500

Owner

1007 4th St NE is owned and occupied by an individual who bought it in September 2026.

Source: Buchanan County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	1007 4TH ST NE, INDEPENDENCE, IA 50644-2101
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Deed Document Number	20262645
Prior Transfer Date	Aug 27, 2026
Prior Transfer Doc	0000002645
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Sep 3, 2026
Property Address	1007 4TH ST NE, INDEPENDENCE, IA 50644-2101
Document Number	0000002645
Instrument Date	Aug 27, 2026
Instrument	20262645
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 4TH ST NE, INDEPENDENCE, IA 50644-2101

Mortgage

Document Number	0000002646,
Date	Sep 3, 2026
Instrument	20262646

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1007 4th St NE was $3,040 with a homeowner's exemption.

Source: Buchanan County assessment roll, as of September 22, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Buchanan County
Municipality	Independence City
Unified School District	Independence Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,040.00 Homeowner's exemption	$173,600 Land $29,920 Building $143,680	$173,600 Land $29,920 Building $143,680
2023	$2,504.00 Homeowner's exemption	$150,180 Land $26,710 Building $123,470	$150,180 Land $26,710 Building $123,470

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1007 4th St NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 29, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	12 (1979–2013)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Jun 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 8 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1007 4th St NE 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 99.1% of the US · lower than 91% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	INDEPENDENCE WATER DEPT serves 6,064 people · EPA ID IA1037070
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	7 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Independence Telecommunications Utility Cable · Fiber in parts of the area	250 / 25
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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