400 1st St E, Independence, IA 50644 Property Records

Buchanan County property record for 400 1st St E, Independence, IA 50644

Property Summary

Property Type	Commercial
Details	1,771 sqft · built 1950
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Company Names on Record
Last Sale	$54,000 (Aug 2020)
Tax Bill	$7,622 (2025)
Deeds & Mortgages	Sep 2026 Re-recorded Document Sep 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0634464006`

Property Details

APN / Parcel Number

Primary APN	`0634464006`

Interior

Stories	1 Story
Building Area	1,771 sqft Building Perimeter
1st Floor Area	1,624 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	12,632 sqft (0.29 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	400 1ST ST E
City	INDEPENDENCE
State	IA
Zip	50644-2902
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	34-89-09S & M BLK 1 L OT 3EXC E13.75'(FORME R KUM & GO )
Legal Range	9W
Legal Township	89N
Legal Section	34
Legal Subdivision	S & M
Legal Block	1
Legal Lot Number	3
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1069
Census Tract	950500

Owner

Source: Buchanan County records, as of October 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1317 AHEARN DR NE, CEDAR RAPIDS, IA 52402-7207
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Re-recorded Document NONE LISTED ON DOCUMENT
Sep 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Feb 3, 2021	Deed of Trust, Mortgage · Commercial Mortgage CLEAR LAKE BANK & TRUST CO
May 6, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANK IOWA
Aug 6, 2020	Intrafamily Transfer, Transfer
Aug 6, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2020 · Amount on Record
Deed Sale	Aug 6, 2020 · Amount on Record
Deed Document Number	20202719
Prior Transfer Date	Aug 5, 2020
Prior Transfer Doc	2020R02718
Record Updated	Oct 29, 2026

September 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	BUCHANAN IA
Recording Date	Sep 24, 2026
Property Address	400 1ST ST E, INDEPENDENCE, IA 50644-2902
Document Number	0000002872
Instrument Date	Aug 27, 2026
Instrument	20262872
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1317 AHEARN DR NE, CEDAR RAPIDS, IA 52402-7207

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Sep 10, 2026
Property Address	400 1ST ST E, INDEPENDENCE, IA 50644-2902
Document Number	0000002705
Instrument Date	Aug 27, 2026
Instrument	20262705
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1317 AHEARN DR NE, CEDAR RAPIDS, IA 52402-7207

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	400 1ST ST E, INDEPENDENCE, IA 50644-2902
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R00390
Date	Feb 3, 2021
Instrument	2021R00390

Lender

Name	CLEAR LAKE BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 19, 2022

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	400 1ST ST E, INDEPENDENCE, IA 50644-2902
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R01702
Date	May 6, 2021
Instrument	2021R01702

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN IA
Recording Date	Aug 6, 2020
Property Address	400 1ST ST E, INDEPENDENCE, IA 50644-2902
Document Number	2020R02718
Instrument Date	Aug 5, 2020
Instrument	2020R02718
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2130 MOUNT VERNON RD SE, CEDAR RAPIDS, IA 52403-3331

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Aug 6, 2020
Property Address	400 1ST ST E, INDEPENDENCE, IA 50644-2902
Document Number	2020R02719
Instrument Date	Jul 21, 2020
Instrument	2020R02719
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Tax	$85.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2130 MOUNT VERNON RD SE, CEDAR RAPIDS, IA 52403-3331

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	$7,622.00 (+11.92%)	$250,070 (-) Land $42,300 Building $207,770	$250,070 (-) Land $42,300 Building $207,770
2024	$6,810.00 (+35.66%)
2023	$5,020.00	$250,070 Land $42,300 Building $207,770	$250,070 Land $42,300 Building $207,770

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
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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