208 5th Ave SE, Independence, IA 50644 Property Records

Buchanan County property record for 208 5th Ave SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,144 sqft · built 1890
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`1003156002`

Property Details

APN / Parcel Number

Primary APN	`1003156002`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,144 sqft Living Area
Basement Area	352 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	208 5TH AVE SE
City	INDEPENDENCE
State	IA
Zip	50644-2932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCAR S58' LOT 1 BLK 7
Legal Subdivision	SCAR
Legal Block	7
Legal Lot Number	1
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4021
Census Tract	950500

Owner

Source: Buchanan County records, as of July 20, 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	208 5TH AVE SE, INDEPENDENCE, IA 50644-2932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Mar 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 11, 2009
Transfer Doc	2009R01203
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	208 5TH AVE SE, INDEPENDENCE, IA 50644-2932
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R01470
Date	Jun 2, 2023
Instrument	2023R01470

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	208 5TH AVE SE, INDEPENDENCE, IA 50644-2932
Transaction Type	Mortgage
Record Updated	May 6, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R00778
Date	Mar 13, 2020
Instrument	2020R00778

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2030

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	$1,590.00 Homeowner's exemption	$102,910 (+14.82%) Land $11,750 Building $91,160	$102,910 (+14.82%) Land $11,750 Building $91,160
2024	$1,590.00 (+18.83%)
2023	$1,338.00 Homeowner's exemption	$89,630 Land $10,490 Building $79,140	$89,630 Land $10,490 Building $79,140

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	Low lower than 98% of the US · lower than 82% 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Independence Telecommunications Utility Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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