900 2nd Ave NE, Independence, IA 50644 Property Records

Buchanan County property record for 900 2nd Ave NE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,048 sqft · built 1910
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$57,000 (Jul 2026)
Tax Bill	$976 (2025)
Deeds & Mortgages	Jul 2026 Sale & Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0634263002`

Property Details

APN / Parcel Number

Primary APN	`0634263002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,048 sqft Living Area
Basement Area	384 sqft
Unfinished Basement	384 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,920 sqft (0.09 acres)
Garage Area	170 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	900 2ND AVE NE
City	INDEPENDENCE
State	IA
Zip	50644-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNION BLK 32 S1/2LOT 7
Legal Subdivision	UNION
Legal Block	32
Legal Lot Number	7
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1035
Census Tract	950500

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	2 Individual Names on Record
Mailing Address	900 2ND AVE NE, INDEPENDENCE, IA 50644-1208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · Line of Credit MAYNARD SAVINGS BANK
Apr 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK IOWA
Mar 14, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Deed Document Number	20262054
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Jul 10, 2026
Property Address	900 2ND AVE NE, INDEPENDENCE, IA 50644-1208
Document Number	0000002054
Instrument Date	Jul 10, 2026
Instrument	20262054
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$9,130.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	900 2ND AVE NE, INDEPENDENCE, IA 50644-1208

Mortgage

Date	Jul 10, 2026

Lender

Name	MAYNARD SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 3, 2031

Interest

Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	900 2ND AVE NE, INDEPENDENCE, IA 50644-1208
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R01158
Date	Apr 7, 2022
Instrument	2022R01158

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2052

Interest

Rate Type	Fixed Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Mar 14, 2022
Property Address	900 2ND AVE NE, INDEPENDENCE, IA 50644-1208
Document Number	2022R00862
Instrument Date	Mar 4, 2022
Instrument	2022R00862
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
Address	2101 290TH ST, ROWLEY, IA 52329-9756

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	$976.00 (+21.09%)	$52,270 (+15.82%) Land $4,440 Building $47,830	$52,270 (+15.82%) Land $4,440 Building $47,830
2023	$806.00	$45,130 Land $3,960 Building $41,170	$45,130 Land $3,960 Building $41,170

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	132 (1979–2018)
Claims Outside the SFHA	10 of 132
Most Recent Claim	Oct 2018 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 16 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 54 claims Severe Storms & Flooding, Aug 1993 · 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

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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	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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