209 1st St E, Independence, IA 50644 Property Records

Buchanan County property record for 209 1st St E, Independence, IA 50644

Property Summary

Property Type	Store with Apartments
Details	5,696 sqft · built 1876
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on Record
Last Sale	$93,500 (Apr 2026)
Tax Bill	$1,956 (2025)
Deeds & Mortgages	Apr 2026 Sale & Line of Credit Apr 2026 Sale & Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1004277014`

Property Details

APN / Parcel Number

Primary APN	`1004277014`

Interior

Stories	2 Stories
Building Area	5,696 sqft Total Area
1st Floor Area	2,548 sqft

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	209 1ST ST E
City	INDEPENDENCE
State	IA
Zip	50644-2808
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Legal Description	S & M W8' LOT 3; E1/4 LOT 4 BLK 4
Legal Subdivision	S & M
Legal Block	4
Legal Lot Number	3-4
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4013
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	Company Name on Record
Mailing Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Warranty Deed, Transfer · Line of Credit BANKIOWA
Apr 9, 2026	Warranty Deed, Transfer · Line of Credit BANKIOWA
Nov 2, 2023	Land Contract, Transfer · Land Contract BECKI GMA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2026 · Amount on Record
Deed Sale	Apr 9, 2026 · Amount on Record
Deed Document Number	20261042
Prior Transfer Date	Jul 27, 2023
Prior Transfer Doc	0000002135
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Apr 9, 2026
Property Address	209 1ST ST E, INDEPENDENCE, IA 50644-2808
Document Number	2026R01042
Instrument Date	Apr 9, 2026
Instrument	20261042
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$15,028.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001053,
Date	Apr 9, 2026
Instrument	20261053

Lender

Name	BANKIOWA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2056

Interest

Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Apr 9, 2026
Property Address	209 1ST ST E, INDEPENDENCE, IA 50644-2808
Document Number	0000001042
Instrument Date	Apr 9, 2026
Instrument	2026.1042
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$15,028.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001053,
Date	Apr 9, 2026
Instrument	2026..1053

Lender

Name	BANKIOWA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2056

Interest

Rate	5.98%
Max Rate	-1%

November 2023: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	BUCHANAN IA
Recording Date	Nov 2, 2023
Property Address	209 1ST ST E, INDEPENDENCE, IA 50644-2808
Document Number	2023R03078
Instrument Date	Oct 31, 2023
Instrument	2023R03078
Transaction Type	Transfer
Record Updated	Dec 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615

Mortgage

Date	Nov 2, 2023

Lender

Name	BECKI GMA LLC
Type	Non-Lending Institution

Agreement

Type	Land Contract
Amount	Amount Recorded

Interest

Rate	4.74%

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	$1,956.00 (+0.72%)	$96,930 (-) Land $15,790 Building $81,140	$96,930 (-) Land $15,790 Building $81,140
2024	$1,942.00 (+15.6%)
2023	$1,680.00	$96,930 Land $15,790 Building $81,140	$96,930 Land $15,790 Building $81,140

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	Not rated no burnable land within 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 366 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.

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