1102 David Dr, Independence, IA 50644 Property Records

Buchanan County property record for 1102 David Dr, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,496 sqft · built 1996
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,264 (2025)
Deeds & Mortgages	May 2017 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1004388007`

Property Details

APN / Parcel Number

Primary APN	`1004388007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
Basement Area	1,176 sqft
Finished Basement	1,176 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	22,651 sqft (0.52 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1102 DAVID DR
City	INDEPENDENCE
State	IA
Zip	50644-2753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2SOUTHRIDGE 2ND LOT 1 2
Legal Subdivision	SOUTHRIDGE 2ND
Legal Lot Number	12
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1068
Census Tract	950400

Owner

Source: Buchanan County records, as of September 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1102 DAVID DR, INDEPENDENCE, IA 50644-2753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2017	Deed of Trust, Mortgage · Closed-End Mortgage WCF FINANCIAL BANK
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage WCF FINANCIAL BANK
Dec 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 1, 2021
Transfer Doc	2021R04639
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	1102 DAVID DR, INDEPENDENCE, IA 50644-2753
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R01613
Date	May 22, 2017
Instrument	2017R01613

Lender

Name	WCF FINANCIAL BANK
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	1102 DAVID DR, INDEPENDENCE, IA 50644-2753
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R04657
Date	Dec 3, 2021
Instrument	2021R04657

Lender

Name	WCF FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2037

Interest

Rate Type	Fixed Rate

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN IA
Recording Date	Dec 2, 2021
Property Address	1102 DAVID DR, INDEPENDENCE, IA 50644-2753
Document Number	2021R04639
Instrument Date	Dec 1, 2021
Instrument	2021R04639
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1102 DAVID DR, INDEPENDENCE, IA 50644-2753

Tax Assessment & Valuation

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	$4,264.00 (+6.18%) Homeowner's exemption	$239,060 (+13.45%) Land $39,120 Building $199,940	$239,060 (+13.45%) Land $39,120 Building $199,940
2024	$4,016.00 (+10.15%)
2023	$3,646.00 Homeowner's exemption	$210,720 Land $34,930 Building $175,790	$210,720 Land $34,930 Building $175,790

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1979–2013)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Jun 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 7 claims Severe Storms, Flooding, And Tornadoes, May 1999 · 10 claims Severe Storms & Flooding, Aug 1990 · 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

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 351 locations within half a mile, as of December 31, 2025

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

May also be available: Nextlink.

Nearby Properties on David Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures