615 3rd St SE, Independence, IA 50644 Property Records

Buchanan County property record for 615 3rd St SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 864 sqft · built 1986
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$221,500 (Jun 2024)
Tax Bill	$3,882 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1003161006`

Property Details

APN / Parcel Number

Primary APN	`1003161006`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Unfinished Basement	608 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	13,939 sqft (0.32 acres)
Garage Area	192 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	615 3RD ST SE
City	INDEPENDENCE
State	IA
Zip	50644-3014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCAR LOT 3 BLK 11
Legal Subdivision	SCAR
Legal Block	11
Legal Lot Number	3
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4019
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	615 3RD ST SE, INDEPENDENCE, IA 50644-3014
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORP
Sep 8, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Aug 10, 2021 · Amount on Record
Deed Document Number	20241614
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Aug 10, 2021
Property Address	615 3RD ST SE, INDEPENDENCE, IA 50644-3014
Document Number	2021R03042
Instrument Date	Jul 30, 2021
Instrument	2021R03042
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$306.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	615 3RD ST SE, INDEPENDENCE, IA 50644-3014

Mortgage

Document Number	2021R03043
Date	Aug 10, 2021
Instrument	2021R03043

Lender

Name	HOME POINT FINANCIAL CORP
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Sep 8, 2020
Property Address	615 3RD ST SE, INDEPENDENCE, IA 50644-3014
Document Number	2020R03275
Instrument Date	Sep 2, 2020
Instrument	2020R03275
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Tax	$24.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1749 GOLF COURSE BLVD LOT 64, 64, INDEPENDENCE, IA 50644-9269

Mortgage

Document Number	2020R03325
Date	Sep 10, 2020
Instrument	2020R03325

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$3,882.00 (+20.11%) Homeowner's exemption	$218,590 (+14.52%) Land $21,260 Building $197,330	$218,590 (+14.52%) Land $21,260 Building $197,330
2023	$3,232.00	$190,880 Land $18,980 Building $171,900	$190,880 Land $18,980 Building $171,900

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.

Nearby Properties on 3rd St SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures