40056 190th Ave, Derby, IA 50068 Property Records

Lucas County property record for 40056 190th Ave, Derby, IA 50068

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,238 sqft · built 1900
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,576 (2026)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1034300004`

Property Details

APN / Parcel Number

Primary APN	`1034300004`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,238 sqft Living Area
Basement Area	728 sqft
Unfinished Basement	728 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Detached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	208 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	40056 190TH AVE
City	DERBY
State	IA
Zip	50068-8580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	34-71-22 N246.5'OF S507.5'OF W287.9' SW SW
Legal Range	22W
Legal Township	71N
Legal Section	34
Jurisdiction	LUCAS IA
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1102
Census Tract	950200

Owner

Source: Lucas County records, as of October 20, 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	40056 190TH AVE, DERBY, IA 50068-8580
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	40056 190TH AVE, DERBY, IA 50068-8580
Transaction Type	Mortgage
Record Updated	Feb 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020221973
Date	Dec 14, 2022
Instrument	2022-1973

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2038

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	Wayne Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,576.00 (+24.49%) Homeowner's exemption	$141,531 (-) Land $46,250 Building $95,281	$141,531 (-) Land $46,250 Building $95,281
2025	$1,266.00 Homeowner's exemption	$141,531 (+35.01%) Land $46,250 Building $95,281	$141,531 (+35.01%) Land $46,250 Building $95,281
2024	$1,266.00 (+12.83%)
2023		$104,830 Land $31,250 Building $73,580	$104,830 Land $31,250 Building $73,580
2021	$1,122.00

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
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

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

Wildfire Risk	Low lower than 67% of the US · above 58% of Iowa
Wildfire Likelihood	0.04% 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
Lockridge Networks Fixed Wireless	50 / 25

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on 190th Ave

Nearby Streets

All Derby, IA Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures