902 Spruce Dr, Independence, IA 50644 Property Records

Buchanan County property record for 902 Spruce Dr, Independence, IA 50644

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,708 sqft · built 2021
Lot Size	0.227 acres (9,888 sqft)
Owner	Company Name on Record
Last Sale	$265,000 (Apr 2025)
Tax Bill	$5,184 (2025)
Deeds & Mortgages	Jul 2026 Sale Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1009108002`

Property Details

APN / Parcel Number

Primary APN	`1009108002`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Condo/Apartment
Construction Type	Frame
Roof Type	Gable
Lot Area	9,888 sqft (0.227 acres)
Garage Area	548 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	902 SPRUCE DR
City	INDEPENDENCE
State	IA
Zip	50644-2152
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	9-88-9HUMMINGBIRD COU RT CONDOMINIUMSUNIT 2 LOT 1
Legal Subdivision	HUMMINGBIRD COURT CONDOMINIUMS
Legal Lot Number	1
Jurisdiction	BUCHANAN IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1058
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	Company Name on Record
Mailing Address	902 SPRUCE DR, INDEPENDENCE, IA 50644-2152
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHEAST SECURITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2025 · Amount on Record
Deed Sale	Apr 17, 2025 · Amount on Record
Deed Document Number	20251110
Last Transfer Date	Jun 29, 2026
Transfer Doc	0000001973
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Jul 1, 2026
Property Address	902 SPRUCE DR, INDEPENDENCE, IA 50644-2152
Document Number	0000001973
Instrument Date	Jun 29, 2026
Instrument	20261973
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	902 SPRUCE DR, INDEPENDENCE, IA 50644-2152

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	902 SPRUCE DR, INDEPENDENCE, IA 50644-2152
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R04607
Date	Dec 1, 2021
Instrument	2021R04607

Lender

Name	NORTHEAST SECURITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

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	$5,184.00 (+22.21%)	$277,410 (+14.74%) Land $15,430 Building $261,980	$277,410 (+14.74%) Land $15,430 Building $261,980
2023	$4,242.00 Homeowner's exemption	$241,770 Land $13,740 Building $228,030	$241,770 Land $13,740 Building $228,030

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 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	Low lower than 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Independence Telecommunications Utility Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: AT&T, Mediacom Xtream.

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