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

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 960 sqft · built 1935
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$1,378 (2025)
Deeds & Mortgages	Jan 2020 Refinance Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0634310005`

Property Details

APN / Parcel Number

Primary APN	`0634310005`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	8,712 sqft (0.2 acres)
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	710 5TH ST NW
City	INDEPENDENCE
State	IA
Zip	50644-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARGOS 2ND BLK 10LOT 6
Legal Subdivision	FARGOS 2ND
Legal Block	10
Legal Lot Number	6
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2025
Census Tract	950400

Owner

710 5th St NW is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	710 5TH ST NW, INDEPENDENCE, IA 50644-1534
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
Jan 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Mar 19, 2019	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	710 5TH ST NW, INDEPENDENCE, IA 50644-1534
Transaction Type	Mortgage
Record Updated	Feb 5, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202020R00078
Date	Jan 8, 2020
Instrument	202020R00078

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	710 5TH ST NW, INDEPENDENCE, IA 50644-1534
Transaction Type	Mortgage
Record Updated	Apr 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R00669
Date	Mar 19, 2019
Instrument	2019R00669

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 710 5th St NW was $1,378 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	$1,378.00 Homeowner's exemption	$99,200 Land $15,830 Building $83,370	$99,200 Land $15,830 Building $83,370
2023	$1,368.00 Homeowner's exemption	$87,190 Land $14,130 Building $73,060	$87,190 Land $14,130 Building $73,060

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 NW 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	6 in force
Nearby Flood Claims	93 (1979–2021)
Claims Outside the SFHA	12 of 93
Most Recent Claim	Aug 2021 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 16 claims Severe Storms, Tornadoes, And Flooding, May 2013 · 21 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 28 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 NW 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Independence Telecommunications Utility Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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