317 1st St E, Independence, IA 50644 Property Records

Buchanan County property record for 317 1st St E, Independence, IA 50644

Property Summary

Property Type	Commercial
Details	2,520 sqft · built 1900
Lot Size	0.08 acres (3,485 sqft)
Owner	Company Name on Record
Tax Bill	$1,332 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Mar 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`1004278005`

Property Details

APN / Parcel Number

Primary APN	`1004278005`

Interior

Stories	1 Story
Building Area	2,520 sqft Total Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	3,485 sqft (0.08 acres)

Location & Zoning

Street Address	317 1ST ST E
City	INDEPENDENCE
State	IA
Zip	50644-2814
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	S & M W1/4 LOT 2 BLK5
Legal Subdivision	S & M
Legal Block	5
Legal Lot Number	2
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4012
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	Company Name on Record
Mailing Address	1737 270TH ST, INDEPENDENCE, IA 50644-9823
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage WCF FINANCIAL BANK
Mar 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GREAT WESTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	317 1ST ST E, INDEPENDENCE, IA 50644-2814
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R00890
Date	Apr 6, 2023
Instrument	2023R00890

Lender

Name	WCF FINANCIAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	317 1ST ST E, INDEPENDENCE, IA 50644-2814
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R00701
Date	Mar 9, 2020
Instrument	2020R00701

Lender

Name	GREAT WESTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$1,332.00 (+15.63%)	$66,480 (-) Land $11,430 Building $55,050	$66,480 (-) Land $11,430 Building $55,050
2023	$1,152.00	$66,480 Land $11,430 Building $55,050	$66,480 Land $11,430 Building $55,050

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	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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