604 Pine Dr SW, Independence, IA 50644 Property Records

Buchanan County property record for 604 Pine Dr SW, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 9 ba · 1,655 sqft · built 2003
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jan 2016)
Tax Bill	$6,846 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1009303006`

Property Details

APN / Parcel Number

Primary APN	`1009303006`

Interior

Bedrooms	4 Beds
Full Baths	9 Baths
Half Baths	6 Half Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,655 sqft Living Area
Basement Area	1,655 sqft
Finished Basement	1,655 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	10,454 sqft (0.24 acres)
Garage Area	871 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	604 PINE DR SW
City	INDEPENDENCE
State	IA
Zip	50644-2757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE PINES FIRSTADDITI ON LOT 17
Legal Subdivision	THE PINES FIRST ADDITION
Legal Lot Number	17
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1060
Census Tract	950400

Owner

604 Pine Dr SW is owned and occupied by two individuals who bought it in January 2016.

Source: Buchanan County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	604 PINE DR SW, INDEPENDENCE, IA 50644-2757
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Sep 5, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 31, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2016 · Amount on File
Deed Sale	Jan 13, 2016 · Amount on File
Prior Sale	Aug 13, 2013 · Amount on File
Deed Document Number	2016135
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	604 PINE DR SW, INDEPENDENCE, IA 50644-2757
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R02386
Date	Sep 4, 2018
Instrument	2018R02386

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	604 PINE DR SW, INDEPENDENCE, IA 50644-2757
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R02425
Date	Sep 5, 2018
Instrument	2018R02425

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	112 Months
Due	Jan 1, 2028

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	604 PINE DR SW, INDEPENDENCE, IA 50644-2757
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R00671
Date	Feb 28, 2022
Instrument	2022R00671

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	604 PINE DR SW, INDEPENDENCE, IA 50644-2757
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R00506
Date	Feb 15, 2022
Instrument	2022R00506

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	604 PINE DR SW, INDEPENDENCE, IA 50644-2757
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 PINE DR SW, INDEPENDENCE, IA 50644-2757

Mortgage

Document Number	2024R02923
Date	Oct 31, 2024
Instrument	2024R02923

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 15, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 604 Pine Dr SW was $6,846 with a homeowner's exemption.

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	$6,846.00 Homeowner's exemption	$377,260 Land $34,420 Building $342,840	$377,260 Land $34,420 Building $342,840
2023	$5,678.00 Homeowner's exemption	$329,330 Land $30,730 Building $298,600	$329,330 Land $30,730 Building $298,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 604 Pine Dr SW in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

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 File 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

Wildfire risk around 604 Pine Dr SW is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 76% 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Independence Telecommunications Utility Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: AT&T, Mediacom Xtream.

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