304 1st St E, Independence, IA 50644 Property Records

Buchanan County property record for 304 1st St E, Independence, IA 50644

Property Summary

Property Type	Commercial
Details	2,356 sqft · built 1880
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Aug 2025)
Tax Bill	$1,018 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0634463013`

Property Details

APN / Parcel Number

Primary APN	`0634463013`

Interior

Stories	2 Stories
Building Area	2,356 sqft Building Perimeter
1st Floor Area	950 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	2,178 sqft (0.05 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	304 1ST ST E
City	INDEPENDENCE
State	IA
Zip	50644-2815
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	34-89-09S & M BLK 2 W 20.25'OF E40.25' OF S 100'LOT 5
Legal Range	9W
Legal Township	89N
Legal Section	34
Legal Subdivision	S & M
Legal Block	2
Legal Lot Number	5
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1068
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	2037 14TH ST NE, INDEPENDENCE, IA 50644-9209
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK IOWA
Feb 12, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2025 · Amount on Record
Deed Sale	Aug 1, 2025 · Amount on Record
Deed Document Number	20252363
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	304 1ST ST E, INDEPENDENCE, IA 50644-2815
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R01337
Date	Apr 21, 2022
Instrument	2022R01337

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2052

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	304 1ST ST E, INDEPENDENCE, IA 50644-2815
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R00507
Date	Feb 12, 2021
Instrument	2021R00507

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

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	$1,018.00 (+19.48%)	$49,030 (-) Land $9,480 Building $39,550	$49,030 (-) Land $9,480 Building $39,550
2023	$852.00	$49,030 Land $9,480 Building $39,550	$49,030 Land $9,480 Building $39,550

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	132 (1979–2018)
Claims Outside the SFHA	10 of 132
Most Recent Claim	Oct 2018 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 16 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 54 claims Severe Storms & Flooding, Aug 1993 · 28 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 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Independence Telecommunications Utility Cable · Fiber in parts of the area	250 / 25
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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