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Single Family ResidenceResidential
$446,916$299 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $390,000 on Apr 15, 2024

409 MATTHEW ST

INDEPENDENCE, IA 50644
3
Beds
3
Baths
1,493 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
2023
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$447K
$421K low$473K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$390,000 · Apr 15, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$57,016
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$45,613
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.87%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$311,920
VERIDIAN CU · 6.62% 1 · recorded Apr 15, 2024
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$77,980
VERIDIAN CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,872 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$365,120 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$40,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$324,370
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$243,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$365,120

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBUCHANAN
Lot (acres)The size of the land the home sits on, from county records.0.32
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Gas
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
East Elementary School
Elementary · Grades KG–2 · 0.9 mi
M
Independence Junior Senior High SchoolC
Middle · Grades 7–12 · 1.1 mi

District: Independence Community School District

Neighborhood · ZIP 50644These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.9,834
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.67 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,940
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,980
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

409 Matthew St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 91% of homes in Buchanan County
  • Costs more per square foot than 95% of homes in Buchanan County
  • Among the newest homes in Independence 50644

What homes are worth in Independence 50644

Each bar is how many homes fall in that price range. The marker is this home.

This home
$69K$657K

This home is worth more than 90% of homes in Independence 50644.

How it measures up in Independence 50644

The dot is this home. The mark in the middle is the typical home in Independence 50644.

Estimated value$446,916
CheaperTypical $217,180Pricier

Pricier than 90% of homes nearby

Price per ft²$299
CheaperTypical $160Pricier

Pricier than 94% of homes nearby

Living area1,493 ft²
SmallerTypical 1,426 ft²Bigger

Bigger than 56% of homes nearby

Lot size0.32 ac
SmallerTypical 0.31 acBigger

Bigger than 53% of homes nearby

Year built2023
OlderTypical 1962Newer

Newer than almost all homes nearby

How 409 Matthew St ranks against every home in each area.
MeasureThis homeIndependence 50644Buchanan County
Estimated valuepricier than$446,91690% of homes91% of homes
Price per ft²pricier than$29994% of homes95% of homes
Living areabigger than1,493 ft²56% of homes55% of homes
Lot sizebigger than0.32 ac53% of homes42% of homes
Year builtnewer than2023almost all homesalmost all homes

About 409 Matthew St

How much is 409 Matthew St, Independence, IA worth?

The TopHap Estimate for 409 Matthew St, Independence, IA is $446,916 as of Jul 14, 2026. The likely range is $421,175 to $472,657. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 409 Matthew St, Independence, IA last sell?

409 Matthew St, Independence, IA last sold on Apr 15, 2024 for $390,000, according to the county's recorded deed.

How big is 409 Matthew St, Independence, IA?

409 Matthew St, Independence, IA has 3 bedrooms, 3 bathrooms, 1,493 square feet of living space and a 0.32-acre lot.

When was 409 Matthew St, Independence, IA built?

409 Matthew St, Independence, IA was built in 2023, making it 3 years old. The building has 1 story.

What schools serve 409 Matthew St, Independence, IA?

409 Matthew St, Independence, IA is assigned to East Elementary School (elementary); Independence Junior Senior High School (middle), rated C. All sit in Independence Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 409 Matthew St, Independence, IA compare to other homes in Independence 50644?

Among the 3,658 homes in Independence 50644, it is worth more than 90% of them ($446,916 against a typical $217,180), its price per square foot is higher than 94% of them ($299 against a typical $160), it is bigger than 56% of them (1,493 ft² against a typical 1,426 ft²), its lot is bigger than 53% of them (0.32 ac against a typical 0.31 ac) and it is newer than almost all of them (2023 against a typical 1962). Measured against all of Buchanan County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 409 Matthew St, Independence, IA?

The 2025 property tax bill for 409 Matthew St, Independence, IA was $4,872. The county assessed it at $365,120.

Closest homes

More homes in Independence 50644

Assigned schools

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