607 2nd St SE, Independence, IA 50644 Property Records

Buchanan County property record for 607 2nd St SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,050 sqft · built 1929
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Sep 2018)
Tax Bill	$2,574 (2025)
Deeds & Mortgages	Sep 2018 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1003157002`

Property Details

APN / Parcel Number

Primary APN	`1003157002`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area
Basement Area	1,032 sqft
Finished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	8,276 sqft (0.19 acres)
Garage Area	432 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	607 2ND ST SE
City	INDEPENDENCE
State	IA
Zip	50644-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARVER PLACE BLK 6LOT 2 EXC S10'
Legal Subdivision	CARVER PLACE
Legal Block	6
Legal Lot Number	2
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4020
Census Tract	950500

Owner

Source: Buchanan County records, as of September 9, 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	607 2ND ST SE, INDEPENDENCE, IA 50644-3010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
May 7, 2020	Quit Claim Deed, Transfer · Conventional Mortgage GREENSTATE CU
Sep 28, 2018	Warranty Deed, Transfer
Apr 26, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2018 · Amount on Record
Deed Sale	Sep 28, 2018 · Amount on Record
Prior Sale	Apr 26, 2018 · Amount on Record
Deed Document Number	20182699
Last Transfer Date	Feb 3, 2020
Transfer Doc	2020R01475
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	607 2ND ST SE, INDEPENDENCE, IA 50644-3010
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R02700
Date	Sep 28, 2018
Instrument	2018R02700

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2048

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUCHANAN IA
Recording Date	May 7, 2020
Property Address	607 2ND ST SE, INDEPENDENCE, IA 50644-3010
Document Number	2020R01475
Instrument Date	Feb 3, 2020
Instrument	2020R01475
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 2ND ST SE, INDEPENDENCE, IA 50644-3010

Mortgage

Document Number	2020R01476
Date	May 7, 2020
Instrument	2020R01476

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 5, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.25%
Index	1-Year CMT

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Sep 28, 2018
Property Address	607 2ND ST SE, INDEPENDENCE, IA 50644-3010
Document Number	2018R02699
Instrument Date	Sep 4, 2018
Instrument	2018R02699
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	607 2ND ST SE, INDEPENDENCE, IA 50644-3010

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Apr 26, 2018
Property Address	607 2ND ST SE, INDEPENDENCE, IA 50644-3010
Document Number	2018R01024
Instrument Date	Mar 9, 2018
Instrument	2018R01024
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
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
Address	1423 GRANDVIEW AVE, PAPILLION, NE 68046-5842
Investor	Possibly a Property Investor

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	$2,574.00 (+6.36%)	$137,750 (+14.08%) Land $15,600 Building $122,150	$137,750 (+14.08%) Land $15,600 Building $122,150
2024	$2,420.00 (+1%)
2023	$2,200.00	$120,750 Land $13,930 Building $106,820	$120,750 Land $13,930 Building $106,820

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 99.1% of the US · lower than 91% 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 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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