703 Pine Dr SW, Independence, IA 50644 Property Records

Buchanan County property record for 703 Pine Dr SW, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 9 ba · 2,294 sqft · built 2011
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$39,500 (Apr 2011)
Tax Bill	$9,758 (2025)
Deeds & Mortgages	Nov 2019 Refinance Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1009304011`

Property Details

APN / Parcel Number

Primary APN	`1009304011`

Interior

Bedrooms	4 Beds
Full Baths	9 Baths
Half Baths	6 Half Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,294 sqft Living Area
Basement Area	2,294 sqft
Unfinished Basement	2,294 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	18,295 sqft (0.42 acres)
Garage Area	867 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	703 PINE DR SW
City	INDEPENDENCE
State	IA
Zip	50644-2765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE PINES FIRST ADDLO T 5 & W1/2 LOT 4
Legal Subdivision	THE PINES FIRST ADDITION
Legal Lot Number	5
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1058
Census Tract	950400

Owner

703 Pine Dr SW is owned and occupied by two individuals who bought it in April 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	703 PINE DR SW, INDEPENDENCE, IA 50644-2765
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
Nov 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2011 · Amount on File
Deed Sale	Apr 19, 2011 · Amount on File
Deed Document Number	20111142
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	703 PINE DR SW, INDEPENDENCE, IA 50644-2765
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R03637
Date	Nov 13, 2019
Instrument	2019R03637

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	703 PINE DR SW, INDEPENDENCE, IA 50644-2765
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R00944
Date	Mar 18, 2021
Instrument	2021R00944

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 703 Pine Dr SW was $9,758 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	$9,758.00 Homeowner's exemption	$533,010 Land $50,140 Building $482,870	$533,010 Land $50,140 Building $482,870
2023	$7,766.00 Homeowner's exemption	$459,140 Land $44,770 Building $414,370	$459,140 Land $44,770 Building $414,370

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

Flood

FEMA maps place 703 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 703 Pine Dr SW 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 96% of the US · lower than 71% 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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