410 3rd St SW, Independence, IA 50644 Property Records

Buchanan County property record for 410 3rd St SW, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 2,200 sqft · built 1880
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,000 (Apr 2006)
Tax Bill	$2,752 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jul 2007 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1004256004`

Property Details

APN / Parcel Number

Primary APN	`1004256004`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	4 Half Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,200 sqft Living Area
Basement Area	784 sqft
Finished Basement	1,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	6,970 sqft (0.16 acres)
Garage Area	624 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	410 3RD ST SW
City	INDEPENDENCE
State	IA
Zip	50644-2519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S & M 2ND S107' LOT 6 BLK 7
Legal Subdivision	S & M 2ND
Legal Block	7
Legal Lot Number	6
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1030
Census Tract	950400

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	2 Individual Names on Record
Mailing Address	410 3RD ST SW, INDEPENDENCE, IA 50644-2519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2018	Deed of Trust, Mortgage WCF FINANCIAL BANK
Jul 5, 2007	Deed of Trust, Mortgage VERIDIAN CU
Apr 17, 2006	Legal Action/Court Order, Foreclosure · FHA Mortgage COMUNITY LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2006 · Amount on Record
Deed Sale	Apr 17, 2006 · Amount on Record
Deed Document Number	20061358
Last Transfer Date	Jul 9, 2012
Transfer Doc	2012R02296
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	410 3RD ST SW, INDEPENDENCE, IA 50644-2519
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R01910
Date	Jul 24, 2018
Instrument	2018R01910

Lender

Name	WCF FINANCIAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	174 Months
Due	Jan 1, 2033

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	410 3RD ST SW, INDEPENDENCE, IA 50644-2519
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007R02432
Date	Jul 5, 2007
Instrument	2007R02432

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2017

April 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BUCHANAN IA
Recording Date	Apr 17, 2006
Property Address	410 3RD ST SW, INDEPENDENCE, IA 50644-2519
Document Number	2006R01358
Instrument Date	Apr 13, 2006
Instrument	2006R01358
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006R01359
Date	Apr 17, 2006
Instrument	2006R01359

Lender

Name	COMUNITY LENDING INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2036

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	$2,752.00 (+13.06%) Homeowner's exemption	$170,630 (+15.64%) Land $21,460 Building $149,170	$170,630 (+15.64%) Land $21,460 Building $149,170
2023	$2,434.00 Homeowner's exemption	$147,550 Land $19,160 Building $128,390	$147,550 Land $19,160 Building $128,390

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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

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 366 locations within half a mile, as of December 31, 2025

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

May also be available: Nextlink.

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