21187 415th St, Chariton, IA 50049 Property Records

Lucas County property record for 21187 415th St, Chariton, IA 50049

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 928 sqft · built 1949
Lot Size	2.51 acres (109,336 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,158 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1025300010`

Property Details

APN / Parcel Number

Primary APN	`1025300010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	928 sqft Living Area
Basement Area	928 sqft
Unfinished Basement	928 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	109,336 sqft (2.51 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	21187 415TH ST
City	CHARITON
State	IA
Zip	50049-7847
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25-71-22 PARCEL B SW NW & NW SW
Legal Range	22W
Legal Township	71N
Legal Section	25
Jurisdiction	LUCAS IA
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1066
Census Tract	950200

Owner

Source: Lucas County records, as of May 27, 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	21187 415TH ST, CHARITON, IA 50049-7847
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 10, 2025
Transfer Doc	0000001628
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	21187 415TH ST, CHARITON, IA 50049-7847
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201323
Date	Sep 14, 2020
Instrument	2020-1323

Lender

Name	COMMUNITY FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 27, 2045

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	21187 415TH ST, CHARITON, IA 50049-7847
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1080
Date	Jul 6, 2021
Book Page	2021/1080
Instrument	2021-1080

Lender

Name	COMMUNITY FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Lucas County
Unified School District	Chariton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,158.00 Homeowner's exemption	$154,020 (-30.08%) Land $54,030 Building $99,990	$154,020 (-30.08%) Land $54,030 Building $99,990
2024	$3,158.00 (+47.71%)
2023		$220,273 Land $39,030 Building $181,243	$220,273 Land $39,030 Building $181,243
2021	$2,138.00

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 February 16, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 77% of Iowa
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RATHBUN REGIONAL WATER ASSN (RATHBUN) private · serves 33,000 people · EPA ID IA0400900
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	1 ppb (2024–2026) 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream Fixed Wireless	100 / 10
Lockridge Networks Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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