709 3rd St SE, Independence, IA 50644 Property Records

Buchanan County property record for 709 3rd St SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,638 sqft · built 1900
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on File
Tax Bill	$1,654 (2025)
Deeds & Mortgages	May 2019 Refinance Apr 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`1003162008`

Property Details

APN / Parcel Number

Primary APN	`1003162008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,638 sqft Living Area
Basement Area	364 sqft
Unfinished Basement	364 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	A-Frame
Exterior Material	Other
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Lot Area	9,148 sqft (0.21 acres)
Garage Area	832 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	709 3RD ST SE
City	INDEPENDENCE
State	IA
Zip	50644-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE COR LOT 2BLK 1 2 SCAR W82.5'S107.5' E82.5'N107.5' TO POB & E1.5' LOT 1 BLK 12 EX S66'
Legal Subdivision	SCAR
Legal Block	12
Legal Lot Number	1-2
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4003
Census Tract	950500

Owner

709 3rd St SE, a single family home, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	1208 1ST ST W, 3, INDEPENDENCE, IA 50644-2300
Owner Type	Company
Vesting	Company

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
May 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WCF FINANCIAL BANK
Apr 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WCF FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	709 3RD ST SE, INDEPENDENCE, IA 50644-3016
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R01186
Date	May 1, 2019
Instrument	2019R01186

Lender

Name	WCF FINANCIAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2034

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	709 3RD ST SE, INDEPENDENCE, IA 50644-3016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R00941
Date	Apr 11, 2019
Instrument	2019R00941

Lender

Name	WCF FINANCIAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 709 3rd St SE was $1,654.

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	$1,654.00	$88,500 Land $18,710 Building $69,790	$88,500 Land $18,710 Building $69,790
2023	$1,304.00	$77,520 Land $16,700 Building $60,820	$77,520 Land $16,700 Building $60,820

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

Flood

FEMA maps place 709 3rd St SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 709 3rd St SE is low, with less than 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 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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