21393 415th St, Chariton, IA 50049 Property Records

Lucas County property record for 21393 415th St, Chariton, IA 50049

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,512 sqft · built 1998
Lot Size	4.08 acres (177,725 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Aug 2025)
Tax Bill	$2,202 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`1025400009`

Property Details

APN / Parcel Number

Primary APN	`1025400009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Construction Type	Manufactured
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Asphalt
Lot Area	177,725 sqft (4.08 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	21393 415TH ST
City	CHARITON
State	IA
Zip	50049-7860
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	25-71-22 PARCEL A NW SE & NE 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

21393 415th St, a mobile home, is owned and occupied by two individuals who bought it in August 2025.

Source: Lucas County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21393 415TH ST, CHARITON, IA 50049-7860
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITY 1ST CU
Oct 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORS BANK
Sep 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORS BANK
Aug 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORS BANK
Aug 1, 2025	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORS BANK
Feb 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU
Dec 1, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2025 · Amount on File
Deed Sale	Aug 1, 2025 · Amount on File
Prior Sale	Feb 13, 2023 · Amount on File
Deed Document Number	20251071
Prior Transfer Date	Jan 27, 2023
Prior Transfer Doc	0020230189
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	21393 415TH ST, CHARITON, IA 50049-7860
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020251448
Date	Oct 16, 2025
Instrument	2025-1448

Lender

Name	COMMUNITY 1ST CU
Type	Credit Union
Address	OTTUMWA, IA 52501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	21393 415TH ST, CHARITON, IA 50049-7860
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1420 COURT AVE, CHARITON, IA 50049-1935

Mortgage

Document Number	0020251380
Date	Oct 2, 2025
Instrument	2025-1380

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	MISSION, KS 66201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	370 Months
Due	Aug 1, 2056

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	21393 415TH ST, CHARITON, IA 50049-7860
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1420 COURT AVE, CHARITON, IA 50049-1935

Mortgage

Document Number	0020251268
Date	Sep 11, 2025
Instrument	2025-1268

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2055

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	21393 415TH ST, CHARITON, IA 50049-7860
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1420 COURT AVE, CHARITON, IA 50049-1935

Mortgage

Document Number	0020251208
Date	Aug 29, 2025
Instrument	2025-1208

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS IA
Recording Date	Aug 1, 2025
Property Address	21393 415TH ST, CHARITON, IA 50049-7860
Document Number	0020251071
Instrument Date	Jul 21, 2025
Instrument	2025-1071
Transaction Type	Transfer
Record Updated	Oct 3, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21393 415TH ST, CHARITON, IA 50049-7860

Mortgage

Document Number	0020251072
Date	Aug 1, 2025
Instrument	2025-1072

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Aug 1, 2056

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	21393 415TH ST, CHARITON, IA 50049-7860
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020230190
Date	Feb 13, 2023
Instrument	2023-0190

Lender

Name	COMMUNITY FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2038

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LUCAS IA
Recording Date	Dec 1, 2021
Property Address	21393 415TH ST, CHARITON, IA 50049-7860
Document Number	02021/1964
Book / Page	2021 / 1964
Instrument Date	Dec 2, 2019
Instrument	2021-1964
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21393 415TH ST, CHARITON, IA 50049-7860
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 21393 415th St was $2,202 with a homeowner's exemption, up 26.8% from the year before.

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
2026	$2,202.00 (+26.84%) Homeowner's exemption	$169,719 (+6.24%) Land $58,740 Building $110,979	$169,719 (+6.24%) Land $58,740 Building $110,979
2025	$1,736.00 Homeowner's exemption	$159,750 (+27.14%) Land $58,740 Building $101,010	$159,750 Land $58,740 Building $101,010
2024	$1,736.00 Homeowner's exemption	$125,650 (-) Land $43,740 Building $81,910
2023		$125,650 Land $43,740 Building $81,910	$125,650 Land $43,740 Building $81,910
2021	$1,834.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21393 415th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 21393 415th St is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 79% of Iowa
Wildfire Likelihood	0.09% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream Fixed Wireless	75 / 10
Lockridge Networks Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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