809 3rd St SW, Independence, IA 50644 Property Records

Buchanan County property record for 809 3rd St SW, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	1 bd · 3 ba · 864 sqft · built 1890
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$89,500 (Jan 2022)
Tax Bill	$1,562 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jan 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1004183002`

Property Details

APN / Parcel Number

Primary APN	`1004183002`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Finished Basement	864 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	13,068 sqft (0.3 acres)
Garage Area	400 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	809 3RD ST SW
City	INDEPENDENCE
State	IA
Zip	50644-2341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARGOS LOT 3 & W1/2LO T 2 BLK 8
Legal Subdivision	FARGOS
Legal Block	8
Legal Lot Number	3
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1044
Census Tract	950400

Owner

Source: Buchanan County records, as of September 9, 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	809 3RD ST SW, INDEPENDENCE, IA 50644-2341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2019	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 18, 2022	Deed, Transfer
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHEAST SECURITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Deed Document Number	2022211
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	809 3RD ST SW, INDEPENDENCE, IA 50644-2341
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R01939
Date	Jun 24, 2019
Instrument	2019R01939

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN IA
Recording Date	Jan 18, 2022
Property Address	809 3RD ST SW, INDEPENDENCE, IA 50644-2341
Document Number	2022R00213
Instrument Date	Jan 14, 2022
Instrument	2022R00213
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Jan 18, 2022
Property Address	809 3RD ST SW, INDEPENDENCE, IA 50644-2341
Document Number	2022R00211
Instrument Date	Jan 12, 2022
Instrument	2022R00211
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 3RD ST SW, INDEPENDENCE, IA 50644-2341

Mortgage

Document Number	2022R00212
Date	Jan 18, 2022
Instrument	2022R00212

Lender

Name	NORTHEAST SECURITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

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	$1,562.00 (+28.88%) Homeowner's exemption	$94,500 (+14.23%) Land $23,740 Building $70,760	$94,500 (+14.23%) Land $23,740 Building $70,760
2023	$1,212.00 Homeowner's exemption	$82,730 Land $21,200 Building $61,530	$82,730 Land $21,200 Building $61,530

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
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 351 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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