302 2nd Ave SW, Independence, IA 50644 Property Records

Buchanan County property record for 302 2nd Ave SW, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,932 sqft · built 1905
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$154,500 (Mar 2024)
Tax Bill	$3,154 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1004282002`

Property Details

APN / Parcel Number

Primary APN	`1004282002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,932 sqft Living Area
Basement Area	840 sqft
Unfinished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	10,019 sqft (0.23 acres)
Garage Area	480 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	302 2ND AVE SW
City	INDEPENDENCE
State	IA
Zip	50644-2611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S & M 2ND S1/2 LOTS 1 & 2; N10' 8 LOTS 3 & 4 BLK 11
Legal Subdivision	S & M 2ND
Legal Block	11
Legal Lot Number	1-4
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1016
Census Tract	950400

Owner

302 2nd Ave SW is owned and occupied by an individual who bought it in March 2024.

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

Owner of Record	Individual Name on File
Mailing Address	302 2ND AVE SW, INDEPENDENCE, IA 50644-2611
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
Mar 28, 2024	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Nov 13, 2017	Warranty Deed, Transfer · Conventional Mortgage BANKIOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2024 · Amount on File
Deed Sale	Mar 28, 2024 · Amount on File
Prior Sale	Nov 13, 2017 · Amount on File
Deed Document Number	2024753
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Mar 28, 2024
Property Address	302 2ND AVE SW, INDEPENDENCE, IA 50644-2611
Document Number	2024R00753
Instrument Date	Feb 2, 2024
Instrument	2024R00753
Transaction Type	Transfer
Record Updated	Apr 18, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 2ND AVE SW, INDEPENDENCE, IA 50644-2611

Mortgage

Document Number	2024R00754
Date	Mar 28, 2024
Instrument	2024R00754

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 5, 2054

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Type Change Date	Apr 5, 2034
Change Frequency	Annually
Min Rate At Change	6.12%
Max Rate At Change	10.1%
Index	1-Year T-Bill
Max Rate	14.1%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Nov 13, 2017
Property Address	302 2ND AVE SW, INDEPENDENCE, IA 50644-2611
Document Number	2017R03787
Instrument Date	Nov 4, 2017
Instrument	2017R03787
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	302 2ND AVE SW, INDEPENDENCE, IA 50644-2611

Mortgage

Document Number	2017R03788
Date	Nov 13, 2017
Instrument	2017R03788

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 302 2nd Ave SW was $3,154 with a homeowner's exemption.

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	$3,154.00 Homeowner's exemption	$179,690 Land $26,860 Building $152,830	$179,690 Land $26,860 Building $152,830
2023	$3,054.00	$172,910 Land $23,980 Building $148,930	$172,910 Land $23,980 Building $148,930

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

Flood

FEMA maps place 302 2nd Ave SW in Zone X, an area of moderate flood risk, within 100 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 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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1979–2013)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Jun 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 7 claims Severe Storms, Flooding, And Tornadoes, May 1999 · 10 claims Severe Storms & Flooding, Aug 1990 · 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 302 2nd Ave SW is low, with less than 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 99.1% of the US · lower than 91% 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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