24099 440th St, Chariton, IA 50049 Property Records

Lucas County property record for 24099 440th St, Chariton, IA 50049

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,253 sqft · built 1900
Lot Size	34 acres (1,481,040 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jun 2022)
Tax Bill	$1,252 (2026)
Deeds & Mortgages	Sep 2024 Second Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1109300004`

Property Details

APN / Parcel Number

Primary APN	`1109300004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,253 sqft Living Area
Attic	Attic
Attic Area	389 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,481,040 sqft (34 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Shed	1 Shed
Shed Area	837 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	24099 440TH ST
City	CHARITON
State	IA
Zip	50049-7772
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	09-71-21 SW SW W OF RR
Legal Range	21W
Legal Township	71N
Legal Section	09
Jurisdiction	LUCAS IA
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2132
Census Tract	950100

Owner

24099 440th St, a rural home, is owned and occupied by two individuals who bought it in June 2022.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	24099 440TH ST, CHARITON, IA 50049-7772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTH OTTUMWA SAVINGS BANK
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTH OTTUMWA SAVINGS BANK
Jun 29, 2016	Warranty Deed, Transfer · Commercial Mortgage MIDWEST HERITAGE BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on File
Deed Sale	Jun 3, 2022 · Amount on File
Deed Document Number	2022942
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	24099 440TH ST, CHARITON, IA 50049-7772
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020241099
Date	Sep 3, 2024
Instrument	2024-1099

Lender

Name	SOUTH OTTUMWA SAVINGS BANK
Type	Bank
Address	OTTUMWA, IA 52501

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Aug 23, 2034

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS IA
Recording Date	Jun 3, 2022
Property Address	24099 440TH ST, CHARITON, IA 50049-7772
Document Number	0020220942
Instrument Date	May 26, 2022
Instrument	2022-0942
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$439.20
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
Address	24099 440TH ST, CHARITON, IA 50049-7772

Mortgage

Document Number	0020220943
Date	Jun 3, 2022
Instrument	2022-0943

Lender

Name	SOUTH OTTUMWA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 27, 2052

Interest

Rate Type	Adjustable Rate

June 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS IA
Recording Date	Jun 29, 2016
Property Address	24099 440TH ST, CHARITON, IA 50049-7772
Document Number	D2016/0758
Book / Page	D2016 / 0758
Instrument Date	Jun 28, 2016
Instrument	2016-0866
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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

Mortgage

Document Number	0D2016/759
Date	Jun 29, 2016
Book Page	D2016/759
Instrument	2016-0867

Lender

Name	MIDWEST HERITAGE BANK FSB
Type	Bank
Address	CHARITON, IA 50049

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 24099 440th St was $1,252 with a homeowner's exemption, up 18.3% 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	$1,252.00 (+18.34%) Homeowner's exemption	$95,442 (-) Land $21,484 Building $73,958	$95,442 (-) Land $21,484 Building $73,958
2025	$1,058.00 Homeowner's exemption Additional exemption filed	$95,442 Land $21,484 Building $73,958	$95,442 Land $21,484 Building $73,958
2024	$1,058.00
2023		$73,551 Land $13,916 Building $59,635	$73,551 Land $13,916 Building $59,635
2021	$1,656.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 24099 440th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 16, 2018

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 24099 440th St is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 88% of Iowa
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 3 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	50 / 25

May also be available: Rise Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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