1201 7th St NE, Independence, IA 50644 Property Records

Buchanan County property record for 1201 7th St NE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 1,412 sqft · built 1999
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Apr 2026)
Tax Bill	$5,114 (2025)
Deeds & Mortgages	Apr 2026 Sale Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0635332005`

Property Details

APN / Parcel Number

Primary APN	`0635332005`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,412 sqft Living Area
Basement Area	1,412 sqft
Unfinished Basement	1,412 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	10,890 sqft (0.25 acres)
Garage Area	668 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1201 7TH ST NE
City	INDEPENDENCE
State	IA
Zip	50644-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMMINGS E58' LOT 4 & LOT 3 EX E41' BLK 10
Legal Subdivision	CUMMINGS
Legal Block	10
Legal Lot Number	3-4
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2056
Census Tract	950500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1201 7TH ST NE, INDEPENDENCE, IA 50644-2135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 24, 2018	Deed of Trust, Mortgage BANK IOWA
Apr 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	May 30, 2007 · Amount on Record
Deed Document Number	20261207
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Apr 28, 2026
Property Address	1201 7TH ST NE, INDEPENDENCE, IA 50644-2135
Document Number	0000001207
Instrument Date	Apr 27, 2026
Instrument	2026.1207
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$53,247.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1201 7TH ST NE, INDEPENDENCE, IA 50644-2135

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	1201 7TH ST NE, INDEPENDENCE, IA 50644-2135
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R02270
Date	Aug 24, 2018
Instrument	2018R02270

Lender

Name	BANK IOWA
Type	Bank

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	1201 7TH ST NE, INDEPENDENCE, IA 50644-2135
Transaction Type	Mortgage
Record Updated	May 6, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R01096
Date	Apr 8, 2020
Instrument	2020R01096

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$5,114.00 (+5.92%) Homeowner's exemption	$284,550 (+13.25%) Land $33,180 Building $251,370	$284,550 (+13.25%) Land $33,180 Building $251,370
2024	$4,828.00 (+10.99%)
2023	$4,350.00 Homeowner's exemption	$251,260 Land $29,620 Building $221,640	$251,260 Land $29,620 Building $221,640

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Independence Telecommunications Utility Fiber · Cable in parts of the area	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, T-Mobile.

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