1217 1st St E, Independence, IA 50644 Property Records

Buchanan County property record for 1217 1st St E, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,292 sqft · built 1915
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,000 (Nov 2009)
Tax Bill	$2,840 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1003252010`

Property Details

APN / Parcel Number

Primary APN	`1003252010`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,292 sqft Living Area
Basement Area	1,152 sqft
Finished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	23,087 sqft (0.53 acres)
Garage Area	480 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1217 1ST ST E
City	INDEPENDENCE
State	IA
Zip	50644-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3-88-9COM 486.75'W NW CORE1/2 NE W247.5' S 264'E247.5' N264' TO POBEX W149'
Legal Range	9W
Legal Township	88N
Legal Section	3
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	3
Census Block	3017
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	1217 1ST ST E, INDEPENDENCE, IA 50644-3117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 1, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Sep 5, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2009 · Amount on Record
Deed Sale	Nov 13, 2009 · Amount on Record
Prior Sale	Apr 17, 2006 · Amount on Record
Deed Document Number	20093703
Prior Transfer Date	Apr 13, 2006
Prior Transfer Doc	2006R01353
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	1217 1ST ST E, INDEPENDENCE, IA 50644-3117
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R00907
Date	Mar 16, 2021
Instrument	2021R00907

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	1217 1ST ST E, INDEPENDENCE, IA 50644-3117
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R02729
Date	Oct 1, 2018
Instrument	2018R02729

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	111 Months
Due	Jan 1, 2028

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	1217 1ST ST E, INDEPENDENCE, IA 50644-3117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R02427
Date	Sep 5, 2018
Instrument	2018R02427

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	232 Months
Due	Jan 1, 2038

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	$2,840.00 (+18.43%) Homeowner's exemption	$177,440 (+14.71%) Land $35,360 Building $142,080	$177,440 (+14.71%) Land $35,360 Building $142,080
2023	$2,398.00 Homeowner's exemption	$154,690 Land $31,570 Building $123,120	$154,690 Land $31,570 Building $123,120

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 Claims	5 (1990–2013)
Most Recent Claim	Jun 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 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	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 139 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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