118 4th Ave SE, Independence, IA 50644 Property Records

Buchanan County property record for 118 4th Ave SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,972 sqft · built 1860
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (May 2016)
Tax Bill	$804 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1003151004`

Property Details

APN / Parcel Number

Primary APN	`1003151004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,972 sqft Living Area
Basement Area	944 sqft
Unfinished Basement	944 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Exterior Material	Other
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Lot Area	7,405 sqft (0.17 acres)
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	118 4TH AVE SE
City	INDEPENDENCE
State	IA
Zip	50644-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCAR BLK 1 N65' OFW24 .5' LOT 3 & N65'LOT 4
Legal Subdivision	SCAR
Legal Block	1
Legal Lot Number	3
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4011
Census Tract	950500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	118 4TH AVE SE, INDEPENDENCE, IA 50644-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Dec 30, 2019	Quit Claim Deed, Transfer · ARM VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2016 · Amount on Record
Deed Sale	May 23, 2016 · Amount on Record
Deed Document Number	20161509
Last Transfer Date	Dec 13, 2019
Transfer Doc	2020190412
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	118 4TH AVE SE, INDEPENDENCE, IA 50644-2917
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R02029
Date	Jun 18, 2020
Instrument	2020R02029

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2030

Interest

Rate Type	Fixed Rate

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUCHANAN IA
Recording Date	Dec 30, 2019
Property Address	118 4TH AVE SE, INDEPENDENCE, IA 50644-2917
Document Number	202019R04128
Instrument Date	Dec 13, 2019
Instrument	202019R04128
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 4TH AVE SE, INDEPENDENCE, IA 50644-2917

Mortgage

Document Number	202019R04129
Date	Dec 30, 2019
Instrument	202019R04129

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.7%
Type Change Date	Jan 1, 2030
Index	Other

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	$804.00 (-10.86%) Homeowner's exemption	$77,490 (+16.95%) Land $14,980 Building $62,510	$77,490 (+16.95%) Land $14,980 Building $62,510
2023	$902.00 Homeowner's exemption	$66,260 Land $13,380 Building $52,880	$66,260 Land $13,380 Building $52,880

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
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

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.

Nearby Properties on 4th Ave SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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