1401 190th St, Independence, IA 50644 Property Records

Buchanan County property record for 1401 190th St, Independence, IA 50644

Property Summary

Property Type	Rural Home
Details	1 bd · 2.5 ba · 1,631 sqft · built 1994
Lot Size	6.95 acres (302,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Apr 2014)
Tax Bill	$3,490 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Aug 2018 Mortgage
Flood Zone	Zone A (high risk)
APN	`0514300012`

Property Details

APN / Parcel Number

Primary APN	`0514300012`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,631 sqft Living Area
Basement Area	791 sqft
Finished Basement	791 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	302,742 sqft (6.95 acres)
Garage Area	440 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1401 190TH ST
City	INDEPENDENCE
State	IA
Zip	50644-9135
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	14-89-10BEG SE COR SW NWS495' W1340.78'N34 4.60' NE335.24'NE202. 86' E141.92' N46.83' NE282.60' NE179.69' N E427.29' E65.75'
Legal Range	10W
Legal Township	89N
Legal Section	14
Jurisdiction	BUCHANAN IA
Township / Civil Division	PERRY
Census Block Group	1
Census Block	1019
Census Tract	950300

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	1401 190TH ST, INDEPENDENCE, IA 50644-9135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2018	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CREDIT UNION
Aug 10, 2018	Deed of Trust, Mortgage DEERE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2014 · Amount on Record
Deed Sale	Apr 24, 2014 · Amount on Record
Deed Document Number	2014873
Last Transfer Date	Oct 19, 2023
Transfer Doc	0000002976
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	1401 190TH ST, INDEPENDENCE, IA 50644-9135
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R02137
Date	Aug 13, 2018
Instrument	2018R02137

Lender

Name	DEERE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	77 Months
Due	Jan 1, 2025

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	1401 190TH ST, INDEPENDENCE, IA 50644-9135
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R02115
Date	Aug 10, 2018
Instrument	2018R02115

Lender

Name	DEERE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Buchanan County assessment roll, as of September 22, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Buchanan County
Unified School District	Jesup Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,490.00 (+7.25%)	$270,540 (+10.89%) Land $17,360 Building $253,180	$270,540 (+10.89%) Land $17,360 Building $253,180
2023	$3,254.00	$243,980 Land $14,090 Building $229,890	$243,980 Land $14,090 Building $229,890

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	8 in force
Nearby Flood Claims	30 (1991–2016)
Claims Outside the SFHA	7 of 30
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 8 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 5 claims Severe Storms, Flooding, And Tornadoes, May 1999 · 10 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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Heartland Technology Fiber	1,000 / 1,000
GigFire Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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