2129 205th St, Independence, IA 50644 Property Records

Buchanan County property record for 2129 205th St, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,248 sqft · built 1890
Lot Size	10.1 acres (441,698 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Oct 2023)
Tax Bill	$3,548 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0625100008`

Property Details

APN / Parcel Number

Primary APN	`0625100008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,248 sqft Living Area
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	441,698 sqft (10.1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2129 205TH ST
City	INDEPENDENCE
State	IA
Zip	50644-9208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25-89-9W890'OF S790' OF E1/2OF NW1/4 EX N2 76' OFW532' & EX S55' OFW382' OF N331' THE REOF
Legal Range	9W
Legal Township	89N
Legal Section	25
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2023
Census Tract	950200

Owner

2129 205th St is owned and occupied by two individuals who bought it in October 2023.

Source: Buchanan County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2129 205TH ST, INDEPENDENCE, IA 50644-9208
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CREDIT UNION
Oct 6, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage FARM CREDIT MID AMERICA FLCA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2023 · Amount on File
Deed Sale	Oct 6, 2023 · Amount on File
Deed Document Number	20232750
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Recording Date	Aug 4, 2026
Property Address	2129 205TH ST, INDEPENDENCE, IA 50644-9208
Document Number	0000002334
Instrument Date	Jul 30, 2026
Instrument	20262334
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2129 205TH ST, INDEPENDENCE, IA 50644-9208

Mortgage

Document Number	0000002334,
Date	Aug 4, 2026
Instrument	20262334

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Oct 6, 2023
Property Address	2129 205TH ST, INDEPENDENCE, IA 50644-9208
Document Number	2023R02750
Instrument Date	Oct 2, 2023
Instrument	2023R02750
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2129 205TH ST, INDEPENDENCE, IA 50644-9208

Mortgage

Document Number	2023R02751
Date	Oct 6, 2023
Instrument	2023R02751

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2129 205th St was $3,548.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,548.00	$301,190 Land $118,930 Building $182,260	$301,190 Land $118,930 Building $182,260
2023	$1,670.00	$129,990 Land $12,100 Building $117,890	$129,990 Land $12,100 Building $117,890

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2129 205th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	12 (1999–2016)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 6 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 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

Wildfire risk around 2129 205th St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.01% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
CenturyLink DSL	100 / 10

May also be available: Independence Telecommunications Utility, T-Mobile.

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