700 Juniper Dr, Independence, IA 50644 Property Records

Buchanan County property record for 700 Juniper Dr, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,252 sqft · built 2016
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2023)
Tax Bill	$6,032 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2025 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1009102004`

Property Details

APN / Parcel Number

Primary APN	`1009102004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,252 sqft Living Area
Basement Area	1,252 sqft
Unfinished Basement	1,252 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	12,197 sqft (0.28 acres)
Garage Area	777 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	700 JUNIPER DR
City	INDEPENDENCE
State	IA
Zip	50644-9612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE PINES FIRSTADDITI ON LOT 36
Legal Subdivision	THE PINES FIRST ADDITION
Legal Lot Number	36
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1058
Census Tract	950400

Owner

700 Juniper Dr is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	700 JUNIPER DR, INDEPENDENCE, IA 50644-9612
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 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Sep 12, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Aug 7, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
May 1, 2023	Deed of Trust, Mortgage · Line of Credit MUTUAL SAVINGS ASSN
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2023 · Amount on File
Deed Sale	May 1, 2023 · Amount on File
Prior Sale	Oct 25, 2016 · Amount on File
Deed Document Number	20231091
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	700 JUNIPER DR, INDEPENDENCE, IA 50644-9612
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025R02842
Date	Sep 12, 2025
Instrument	2025R02842

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Max Rate	12.1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	700 JUNIPER DR, INDEPENDENCE, IA 50644-9612
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025R02843
Date	Sep 12, 2025
Instrument	2025R02843

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Oct 1, 2032

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	700 JUNIPER DR, INDEPENDENCE, IA 50644-9612
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 JUNIPER DR, INDEPENDENCE, IA 50644-9612

Mortgage

Document Number	2023R02155
Date	Aug 7, 2023
Instrument	2023R02155

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 6, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	700 JUNIPER DR, INDEPENDENCE, IA 50644-9612
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R01092
Date	May 1, 2023
Instrument	2023R01092

Lender

Name	MUTUAL SAVINGS ASSN
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	700 JUNIPER DR, INDEPENDENCE, IA 50644-9612
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R04928
Date	Dec 30, 2020
Instrument	2020R04928

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 700 Juniper Dr was $6,032 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	$6,032.00 Homeowner's exemption	$333,680 Land $38,810 Building $294,870	$333,680 Land $38,810 Building $294,870
2023	$4,898.00	$291,580 Land $34,650 Building $256,930	$291,580 Land $34,650 Building $256,930

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

Flood

FEMA maps place 700 Juniper Dr 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 700 Juniper Dr is low, with 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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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