Scott County property record for 1306 Spruce St, Buffalo, IA 52728
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,440 sqft · built 1976 |
| Lot Size | 1.71 acres (74,705 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,400 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage May 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 722135006 |
| Primary APN | 722135006 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,440 sqft |
| Finished Basement | 275 sqft |
| Unfinished Basement | 1,165 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 74,705 sqft (1.71 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 23 sqft |
| Deck Area | 240 sqft |
| Patio Area | 468 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Street Address | 1306 SPRUCE ST |
|---|---|
| City | BUFFALO |
| State | IA |
| Zip | 52728-7793 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC:21 TWP:77 RNG:02PT NE SW COM NE CORNE SW: S0D12'W443.36'-N85D22'W152.34'-N0D02'E 431.8'- S89D42'E 150' TO BEG AKA TRACT B |
| Legal Range | 02W |
| Legal Township | 77N |
| Legal Section | 21 |
| Legal Subdivision | METES & BOUNDS |
| Legal Tract | B |
| Jurisdiction | SCOTT IA |
| Township / Civil Division | BUFFALO |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 10401 |
1306 Spruce St is owned and occupied by an individual who acquired it in March 2017.
Source: Scott County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1306 SPRUCE ST, BUFFALO, IA 52728-7793 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage VIBRANT CU |
| May 19, 2023 | Deed of Trust, Mortgage · Line of Credit SENB BANK |
| Aug 23, 2023 | Deed of Trust, Mortgage · Line of Credit SENB BANK |
| May 10, 2006 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CBI BANK AND TRUST |
| Apr 24, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 27, 2017 |
| Transfer Doc | 0000009809 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT IA |
| Property Address | 1306 SPRUCE ST, BUFFALO, IA 52728-7793 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202200023338 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 202200023338 |
| Name | VIBRANT CU |
|---|---|
| Type | Credit Union |
| Address | MOLINE, IL 61265 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 6.37% |
| Index | 1-Year CMT |
| Max Rate | 10.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT IA |
| Property Address | 1306 SPRUCE ST, BUFFALO, IA 52728-7793 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202300008394 |
|---|---|
| Date | May 19, 2023 |
| Instrument | 202300008394 |
| Name | SENB BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, IA 52728 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 15, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT IA |
| Property Address | 1306 SPRUCE ST, BUFFALO, IA 52728-7793 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202300015023 |
|---|---|
| Date | Aug 23, 2023 |
| Instrument | 202300015023 |
| Name | SENB BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, IA 52728 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 15, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT IA |
| Property Address | 1306 SPRUCE ST, BUFFALO, IA 52728-7793 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 200600014201 |
|---|---|
| Date | May 10, 2006 |
| Instrument | 2006-00014201 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT IA |
| Recording Date | May 22, 2026 |
| Property Address | 1306 SPRUCE ST, BUFFALO, IA 52728-7793 |
| Document Number | 0000010990 |
| Instrument Date | May 18, 2026 |
| Instrument | 202610990 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1306 SPRUCE ST, BUFFALO, IA 52728-7793 |
| Document Number | 0000010990, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202610990 |
| Name | CBI BANK AND TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCOTT IA |
| Recording Date | Apr 24, 2017 |
| Property Address | 1306 SPRUCE ST, BUFFALO, IA 52728-7793 |
| Document Number | 201700009809 |
| Instrument Date | Mar 27, 2017 |
| Instrument | 2017-00009809 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1306 SPRUCE ST, BUFFALO, IA 52728-7793 |
The 2026 property tax bill for 1306 Spruce St was $3,400 with a homeowner's exemption.
Source: Scott County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| Municipality | Buffalo City |
| County | Scott County |
| Unified School District | Davenport Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,400.00 | $242,800 (-) Land $52,300 Building $190,500 | $242,800 (-) Land $52,300 Building $190,500 |
| 2025 | $3,400.00 (-3.85%) Homeowner's exemption | $242,800 Land $52,300 Building $190,500 | $242,800 Land $52,300 Building $190,500 |
| 2024 | $3,536.00 | ||
| 2023 | $236,000 Land $52,300 Building $183,700 | $236,000 Land $52,300 Building $183,700 | |
| 2022 | $3,014.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1306 Spruce St in Zone X, an area of minimal flood risk, though there have been 41 flood claims nearby since 1982.
Source: FEMA National Flood Hazard Layer, effective April 18, 2024 · 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 File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 41 (1982–2019) |
| Claims Outside the SFHA | 12 of 41 |
| Most Recent Claim | May 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 1306 Spruce St is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 71% of Iowa |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BUFFALO WATER SUPPLY serves 1,176 people · EPA ID IA8218050 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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