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CondominiumResidential
$234,696$157 / 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 82How 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

809 SPRUCE DR SW

INDEPENDENCE, IA 50644
2
Beds
3 / 2
Baths
1,497 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
2018
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
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

$235K
$194K low$276K high
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.$234,696
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$187,757

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,424 (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.$231,080 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,780
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$216,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$203,320
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$231,080

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.39
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
71
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
59
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyBUCHANAN
Lot (acres)The size of the land the home sits on, from county records.0.22
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

M
Independence Junior Senior High SchoolC
Middle · Grades 7–12 · 1.1 mi
E
East Elementary School
Elementary · Grades KG–2 · 1.2 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

809 Spruce Dr Sw 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.

  • Has a smaller lot than 81% of homes in Buchanan County
  • Newer than 97% of homes in Buchanan County

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
$67K$683K

This home is worth more than 56% 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$234,696
CheaperTypical $218,021Pricier

Pricier than 56% of homes nearby

Price per ft²$157
CheaperTypical $159Pricier

Pricier than 49% of homes nearby

Living area1,497 ft²
SmallerTypical 1,429 ft²Bigger

Bigger than 56% of homes nearby

Lot size0.22 ac
SmallerTypical 0.31 acBigger

Bigger than 28% of homes nearby

Year built2018
OlderTypical 1962Newer

Newer than 95% of homes nearby

How 809 Spruce Dr Sw ranks against every home in each area.
MeasureThis homeIndependence 50644Buchanan County
Estimated valuepricier than$234,69656% of homes59% of homes
Price per ft²pricier than$15749% of homes54% of homes
Living areabigger than1,497 ft²56% of homes55% of homes
Lot sizebigger than0.22 ac28% of homes19% of homes
Year builtnewer than201895% of homes97% of homes

About 809 Spruce Dr Sw

How much is 809 Spruce Dr Sw, Independence, IA worth?

The TopHap Estimate for 809 Spruce Dr Sw, Independence, IA is $234,696 as of Jul 14, 2026. The likely range is $193,529 to $275,863. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 809 Spruce Dr Sw, Independence, IA last sell?

809 Spruce Dr Sw, Independence, IA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 809 Spruce Dr Sw, Independence, IA?

809 Spruce Dr Sw, Independence, IA has 2 bedrooms, 3 bathrooms, 1,497 square feet of living space and a 0.22-acre lot.

When was 809 Spruce Dr Sw, Independence, IA built?

809 Spruce Dr Sw, Independence, IA was built in 2018, making it 8 years old. It is a condo/apartment home. The building has 1 story.

What schools serve 809 Spruce Dr Sw, Independence, IA?

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

How does 809 Spruce Dr Sw, Independence, IA compare to other homes in Independence 50644?

Among the 3,658 homes in Independence 50644, it is worth more than 56% of them ($234,696 against a typical $218,021), its price per square foot is higher than 49% of them ($157 against a typical $159), it is bigger than 56% of them (1,497 ft² against a typical 1,429 ft²), its lot is bigger than 28% of them (0.22 ac against a typical 0.31 ac) and it is newer than 95% of them (2018 against a typical 1962). Measured against all of Buchanan County, it is worth more than 59% 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 809 Spruce Dr Sw, Independence, IA?

The 2025 property tax bill for 809 Spruce Dr Sw, Independence, IA was $3,424. The county assessed it at $231,080.

Closest homes

More homes in Independence 50644

Assigned schools

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