611 2nd St SE, Independence, IA 50644 Property Records

Buchanan County property record for 611 2nd St SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,560 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Mar 2025)
Tax Bill	$2,226 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1003157003`

Property Details

APN / Parcel Number

Primary APN	`1003157003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Basement Area	752 sqft
Unfinished Basement	752 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Lot Area	8,712 sqft (0.2 acres)
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	611 2ND ST SE
City	INDEPENDENCE
State	IA
Zip	50644-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARVERS BLK 6 LOT 3
Legal Subdivision	CARVERS
Legal Block	6
Legal Lot Number	3
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	611 2ND ST SE, INDEPENDENCE, IA 50644-3010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2025	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
Jun 9, 2021	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Jun 9, 2021 · Amount on Record
Deed Document Number	2025663
Record Updated	Oct 29, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Mar 10, 2025
Property Address	611 2ND ST SE, INDEPENDENCE, IA 50644-3010
Document Number	2025R00663
Instrument Date	Mar 4, 2025
Instrument	2025R00663
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 2ND ST SE, INDEPENDENCE, IA 50644-3010

Mortgage

Document Number	2025R00664
Date	Mar 10, 2025
Instrument	2025R00664

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	611 2ND ST SE, INDEPENDENCE, IA 50644-3010
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R04222
Date	Nov 16, 2020
Instrument	2020R04222

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Jun 9, 2021
Property Address	611 2ND ST SE, INDEPENDENCE, IA 50644-3010
Document Number	2021R02224
Instrument Date	Jun 4, 2021
Instrument	2021R02224
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$147.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 2ND ST SE, INDEPENDENCE, IA 50644-3010

Mortgage

Document Number	2021R02225
Date	Jun 9, 2021
Instrument	2021R02225

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

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	$2,226.00 (+37.75%)	$119,060 (+15.6%) Land $16,070 Building $102,990	$119,060 (+15.6%) Land $16,070 Building $102,990
2023	$1,616.00 Homeowner's exemption	$102,990 Land $14,350 Building $88,640	$102,990 Land $14,350 Building $88,640

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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