115 6th Ave SE, Independence, IA 50644 Property Records

Buchanan County property record for 115 6th Ave SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,468 sqft · built 1912
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Tax Bill	$2,540 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1003152010`

Property Details

APN / Parcel Number

Primary APN	`1003152010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,468 sqft Living Area
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	4,792 sqft (0.11 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	115 6TH AVE SE
City	INDEPENDENCE
State	IA
Zip	50644-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCAR N60' LOT 5 BLK 2
Legal Subdivision	SCAR
Legal Block	2
Legal Lot Number	5
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4010
Census Tract	950500

Owner

115 6th Ave SE is owned and occupied by an individual.

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	Individual Name on File
Mailing Address	115 6TH AVE SE, INDEPENDENCE, IA 50644-3022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Mar 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Mar 22, 2019	Deed of Trust, Mortgage · ARM VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	115 6TH AVE SE, INDEPENDENCE, IA 50644-3022
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 6TH AVE SE, INDEPENDENCE, IA 50644-3022

Mortgage

Document Number	2025R03140
Date	Oct 10, 2025
Instrument	2025R03140

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 9, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	115 6TH AVE SE, INDEPENDENCE, IA 50644-3022
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R02275
Date	Jun 15, 2021
Instrument	2021R02275

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	115 6TH AVE SE, INDEPENDENCE, IA 50644-3022
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R00740
Date	Mar 25, 2019
Instrument	2019R00740

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2029

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	115 6TH AVE SE, INDEPENDENCE, IA 50644-3022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R00722
Date	Mar 22, 2019
Instrument	2019R00722

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2029
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 115 6th Ave SE was $2,540 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	$2,540.00 Homeowner's exemption	$146,780 Land $12,160 Building $134,620	$146,780 Land $12,160 Building $134,620
2023	$2,044.00 Homeowner's exemption	$126,530 Land $10,850 Building $115,680	$126,530 Land $10,850 Building $115,680

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

Flood

FEMA maps place 115 6th Ave SE in Zone X, an area of minimal flood risk, though there have been 40 flood claims nearby since 1979.

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	40 (1979–2016)
Claims Outside the SFHA	4 of 40
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 14 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 13 claims Severe Storms & Flooding, Jul 1993 · 4 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

The area around 115 6th Ave SE has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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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