308 4th Ave SE, Independence, IA 50644 Property Records

Buchanan County property record for 308 4th Ave SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	1 bd · 3 ba · 936 sqft · built 1985
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Oct 2014)
Tax Bill	$3,088 (2025)
Deeds & Mortgages	Oct 2014 Mortgage Oct 2013 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1003159003`

Property Details

APN / Parcel Number

Primary APN	`1003159003`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Building Area	936 sqft Living Area
Basement Area	936 sqft
Finished Basement	936 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,841 sqft (0.18 acres)
Garage Area	576 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	308 4TH AVE SE
City	INDEPENDENCE
State	IA
Zip	50644-2921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCAR S1/2 LOT 1 BLK 9
Legal Subdivision	SCAR
Legal Block	9
Legal Lot Number	1
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4025
Census Tract	950500

Owner

Source: Buchanan County records, as of July 20, 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	308 4TH AVE SE, INDEPENDENCE, IA 50644-2921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2014	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Oct 17, 2013	Deed of Trust, Mortgage · Conventional Mortgage SECURITY STATE BANK
Oct 9, 2014	Warranty Deed, Transfer · ARM BANKIOWA
Oct 12, 2007	Legal Action/Court Order, Foreclosure · Conventional Mortgage SECURITY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2014 · Amount on Record
Deed Sale	Oct 9, 2014 · Amount on Record
Prior Sale	Oct 12, 2007 · Amount on Record
Deed Document Number	20142551
Record Updated	Sep 20, 2026

October 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	308 4TH AVE SE, INDEPENDENCE, IA 50644-2921
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2014R02541
Date	Oct 9, 2014
Instrument	2014R02541

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	308 4TH AVE SE, INDEPENDENCE, IA 50644-2921
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2013R03301
Date	Oct 17, 2013
Instrument	2013R03301

Lender

Name	SECURITY STATE BANK
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2043

October 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Oct 9, 2014
Property Address	308 4TH AVE SE, INDEPENDENCE, IA 50644-2921
Document Number	2014R02551
Instrument Date	Oct 7, 2014
Instrument	2014R02551
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 4TH AVE SE, INDEPENDENCE, IA 50644-2921

Mortgage

Document Number	2014R02552
Date	Oct 9, 2014
Instrument	2014R02552

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2044

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Oct 7, 2021
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.12%
Index	1-Year CMT
Max Rate	9.12%

October 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BUCHANAN IA
Recording Date	Oct 12, 2007
Property Address	308 4TH AVE SE, INDEPENDENCE, IA 50644-2921
Document Number	2007R03708
Instrument Date	Sep 21, 2007
Instrument	2007R03708
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 4TH AVE SE, INDEPENDENCE, IA 50644-2921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3084TH AVENUE S E, INDEPENDENCE, IA 50644

Mortgage

Document Number	2007R03709
Date	Oct 12, 2007
Instrument	2007R03709

Lender

Name	SECURITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2037

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	$3,088.00 (+8.66%) Homeowner's exemption	$188,120 (+14.48%) Land $26,200 Building $161,920	$188,120 (+14.48%) Land $26,200 Building $161,920
2023	$2,842.00 Homeowner's exemption	$164,330 Land $23,390 Building $140,940	$164,330 Land $23,390 Building $140,940

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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