210 5th Ave SE, Independence, IA 50644 Property Records

Buchanan County property record for 210 5th Ave SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,548 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Aug 2023)
Tax Bill	$1,992 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1003156003`

Property Details

APN / Parcel Number

Primary APN	`1003156003`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,548 sqft Living Area
Basement Area	416 sqft
Unfinished Basement	416 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	6,970 sqft (0.16 acres)
Garage Area	624 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	210 5TH AVE SE
City	INDEPENDENCE
State	IA
Zip	50644-2932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCAR N1/2 LOT 8 BLK 7
Legal Subdivision	SCAR
Legal Block	7
Legal Lot Number	8
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4021
Census Tract	950500

Owner

Source: Buchanan County records, as of August 17, 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	210 5TH AVE SE, INDEPENDENCE, IA 50644-2932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Mar 11, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2023 · Amount on Record
Deed Sale	Aug 23, 2023 · Amount on Record
Prior Sale	Mar 11, 2021 · Amount on Record
Deed Document Number	20232296
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Aug 23, 2023
Property Address	210 5TH AVE SE, INDEPENDENCE, IA 50644-2932
Document Number	2023R02296
Instrument Date	Aug 17, 2023
Instrument	2023R02296
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 5TH AVE SE, INDEPENDENCE, IA 50644-2932

Mortgage

Document Number	2023R02297
Date	Aug 23, 2023
Instrument	2023R02297

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Sep 1, 2033
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	13%

Mortgage

Document Number	2023R02298
Date	Aug 23, 2023
Instrument	2023R02298

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2033

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Mar 11, 2021
Property Address	210 5TH AVE SE, INDEPENDENCE, IA 50644-2932
Document Number	2021R00834
Instrument Date	Mar 11, 2021
Instrument	2021R00834
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 5TH AVE SE, INDEPENDENCE, IA 50644-2932

Mortgage

Document Number	2021R00835
Date	Mar 11, 2021
Instrument	2021R00835

Lender

Name	BANK IOWA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	1-Year CMT

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	$1,992.00 (+16.08%) Homeowner's exemption	$125,220 (+14.24%) Land $16,810 Building $108,410	$125,220 (+14.24%) Land $16,810 Building $108,410
2023	$1,716.00 (+3.25%) Homeowner's exemption	$109,610 (+24.68%) Land $15,010 Building $94,600	$109,610 (+24.68%) Land $15,010 Building $94,600
2022		$87,910 Land $11,920 Building $75,990
2021	$1,662.00		$87,910 Land $11,920 Building $75,990

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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