Buchanan County property record for 815 5th St NW, Independence, IA 50644
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,118 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $870 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0634351002 |
| Primary APN | 0634351002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,118 sqft Living Area |
| Basement Area | 416 sqft |
| Unfinished Basement | 416 sqft |
| 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 | 8,712 sqft (0.2 acres) |
| Garage Area | 896 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 815 5TH ST NW |
|---|---|
| City | INDEPENDENCE |
| State | IA |
| Zip | 50644-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FARGOS 2ND LOT 4BLK 1 4 |
| Legal Subdivision | FARGOS 2ND |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | BUCHANAN IA |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 950400 |
815 5th St NW is owned and occupied by two individuals.
Source: Buchanan County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 815 5TH ST NW, INDEPENDENCE, IA 50644-1501 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN IA |
| Property Address | 815 5TH ST NW, INDEPENDENCE, IA 50644-1501 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R03310 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 2021R03310 |
| Name | WCF FINANCIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 815 5th St NW was $870 with a homeowner's exemption.
Source: Buchanan County assessment roll, as of September 22, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Buchanan County |
| Municipality | Independence City |
| Unified School District | Independence Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $870.00 Homeowner's exemption | $114,580 Land $15,830 Building $98,750 | $114,580 Land $15,830 Building $98,750 |
| 2023 | $692.00 Homeowner's exemption | $100,060 Land $14,130 Building $85,930 | $100,060 Land $14,130 Building $85,930 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 815 5th St NW in Zone X, an area of minimal flood risk, though there have been 93 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 | 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 |
|
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 risk around 815 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.
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 |
| 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.
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 |
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