710 5th St NE, Independence, IA 50644 Property Records

Buchanan County property record for 710 5th St NE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,384 sqft · built 1950
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$143,500 (Jun 2023)
Tax Bill	$2,556 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0634438008`

Property Details

APN / Parcel Number

Primary APN	`0634438008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
Attic	Attic
Attic Area	380 sqft
Basement Area	844 sqft
Finished Basement	844 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	A-Frame
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	10,454 sqft (0.24 acres)
Garage Area	528 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	710 5TH ST NE
City	INDEPENDENCE
State	IA
Zip	50644-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCAR 2ND LOT 10 BLK15
Legal Subdivision	SCAR 2ND
Legal Block	15
Legal Lot Number	10
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2034
Census Tract	950500

Owner

710 5th St NE is owned and occupied by an individual who acquired it in May 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	710 5TH ST NE, INDEPENDENCE, IA 50644-2061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2023 · Amount on File
Deed Sale	Jun 14, 2023 · Amount on File
Deed Document Number	20231602
Last Transfer Date	May 15, 2025
Transfer Doc	0000002731
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	710 5TH ST NE, INDEPENDENCE, IA 50644-2061
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R01604
Date	Jun 14, 2023
Instrument	2023R01604

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2033

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	710 5TH ST NE, INDEPENDENCE, IA 50644-2061
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R01603
Date	Jun 14, 2023
Instrument	2023R01603

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 12, 2020
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	12.5%

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	$2,556.00 (+26.28%) Homeowner's exemption	$147,710 (+15.87%) Land $16,600 Building $131,110	$147,710 (+15.87%) Land $16,600 Building $131,110
2023	$2,024.00 Homeowner's exemption	$127,480 Land $14,820 Building $112,660	$127,480 Land $14,820 Building $112,660

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

Flood

FEMA maps place 710 5th St NE in Zone X, an area of minimal flood risk, though there have been 12 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	12 (1979–2013)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Jun 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 8 claims Severe Storms & Flooding, Jul 1993 · 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 710 5th St NE 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 98% of the US · lower than 82% 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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