814 1st St E, Independence, IA 50644 Property Records

Buchanan County property record for 814 1st St E, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,612 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$157,000 (Apr 2022)
Tax Bill	$2,998 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0635361009`

Property Details

APN / Parcel Number

Primary APN	`0635361009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,612 sqft Living Area
Basement Area	338 sqft
Unfinished Basement	598 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	A-Frame
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Lot Area	10,890 sqft (0.25 acres)
Garage Area	448 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	814 1ST ST E
City	INDEPENDENCE
State	IA
Zip	50644-3009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35-89-9COM 132'E SW C OR SWN363' E66' S363' W66'TO POB EX N165'
Legal Range	9W
Legal Township	89N
Legal Section	35
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3028
Census Tract	950500

Owner

814 1st St E is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	814 1ST ST E, INDEPENDENCE, IA 50644-3009
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
Apr 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Apr 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2022 · Amount on File
Deed Sale	Apr 15, 2022 · Amount on File
Prior Sale	Mar 17, 2005 · Amount on File
Deed Document Number	20221270
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	814 1ST ST E, INDEPENDENCE, IA 50644-3009
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R01271
Date	Apr 15, 2022
Instrument	2022R01271

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year CMT

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	814 1ST ST E, INDEPENDENCE, IA 50644-3009
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R01272
Date	Apr 15, 2022
Instrument	2022R01272

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 814 1st St E was $2,998.

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	$2,998.00	$160,380 Land $27,920 Building $132,460	$160,380 Land $27,920 Building $132,460
2023	$2,440.00	$139,280 Land $24,930 Building $114,350	$139,280 Land $24,930 Building $114,350

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

Flood

FEMA maps place 814 1st St E 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 Claims	5 (1990–2013)
Most Recent Claim	Jun 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 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

The area around 814 1st St E has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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