713 2nd St SE, Independence, IA 50644 Property Records

Buchanan County property record for 713 2nd St SE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,401 sqft · built 1900
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Jun 2022)
Tax Bill	$3,148 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1003158006`

Property Details

APN / Parcel Number

Primary APN	`1003158006`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,401 sqft Living Area
Basement Area	464 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	13,504 sqft (0.31 acres)
Garage Area	585 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	713 2ND ST SE
City	INDEPENDENCE
State	IA
Zip	50644-3012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCAR LOT 3 BLK 5
Legal Subdivision	SCAR
Legal Block	5
Legal Lot Number	3
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	4
Census Block	4008
Census Tract	950500

Owner

Source: Buchanan County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	713 2ND ST SE, INDEPENDENCE, IA 50644-3012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jun 21, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2022 · Amount on Record
Deed Sale	Jun 21, 2022 · Amount on Record
Prior Sale	Dec 11, 2015 · Amount on Record
Deed Document Number	20222043
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	713 2ND ST SE, INDEPENDENCE, IA 50644-3012
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R02045
Date	Jun 21, 2022
Instrument	2022R02045

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 5, 2032

Interest

Rate Type	Fixed Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Jun 21, 2022
Property Address	713 2ND ST SE, INDEPENDENCE, IA 50644-3012
Document Number	2022R02043
Instrument Date	Jun 15, 2022
Instrument	2022R02043
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	713 2ND ST SE, INDEPENDENCE, IA 50644-3012

Mortgage

Document Number	2022R02044
Date	Jun 21, 2022
Instrument	2022R02044

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.5%
Index	1-Year CMT

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	$3,148.00 (+13.48%)	$181,430 (+15.47%) Land $21,070 Building $160,360	$181,430 (+15.47%) Land $21,070 Building $160,360
2023	$2,774.00	$157,120 Land $18,810 Building $138,310	$157,120 Land $18,810 Building $138,310

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

Flood

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	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

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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