903 7th Ave NE, Independence, IA 50644 Property Records

Buchanan County property record for 903 7th Ave NE, Independence, IA 50644

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,188 sqft · built 1946
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Tax Bill	$2,296 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0634280012`

Property Details

APN / Parcel Number

Primary APN	`0634280012`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
Basement Area	1,188 sqft
Unfinished Basement	1,188 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	11,761 sqft (0.27 acres)
Garage Area	640 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	903 7TH AVE NE
City	INDEPENDENCE
State	IA
Zip	50644-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMERCIAL 58-59
Legal Subdivision	COMMERCIAL ADD
Jurisdiction	BUCHANAN IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2047
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	Individual Name on Record
Mailing Address	903 7TH AVE NE, INDEPENDENCE, IA 50644-1437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage MARINE CU
Dec 5, 2018	Deed of Trust, Mortgage · Balloon Mortgage DUPACO COMMUNITY CREDIT UNION
Mar 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DUPACO COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	903 7TH AVE NE, INDEPENDENCE, IA 50644-1437
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R02096
Date	Jul 31, 2023
Instrument	2023R02096

Lender

Name	MARINE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	7.98%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Min Rate At Change	7.98%
Max Rate At Change	9.98%
Index	1-Year CMT
Max Rate	13.9%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	903 7TH AVE NE, INDEPENDENCE, IA 50644-1437
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R03477
Date	Dec 5, 2018
Instrument	2018R03477

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2044

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	903 7TH AVE NE, INDEPENDENCE, IA 50644-1437
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R00943
Date	Mar 26, 2020
Instrument	2020R00943

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$2,296.00 (+7.69%) Homeowner's exemption	$133,710 (+4.55%) Land $21,590 Building $112,120	$133,710 (+4.55%) Land $21,590 Building $112,120
2023	$2,132.00 Homeowner's exemption	$127,890 Land $19,270 Building $108,620	$127,890 Land $19,270 Building $108,620

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	12 (1979–2013)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Jun 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2013 · 8 claims Severe Storms & Flooding, Jul 1993 · 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 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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