42598 225th Ave, Chariton, IA 50049 Property Records

Lucas County property record for 42598 225th Ave, Chariton, IA 50049

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,386 sqft · built 1900
Lot Size	24.6 acres (1,074,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jun 2022)
Tax Bill	$1,382 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1119100005`

Property Details

APN / Parcel Number

Primary APN	`1119100005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,386 sqft Living Area
Basement Area	1,386 sqft
Unfinished Basement	1,386 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	Block
Lot Area	1,074,625 sqft (24.6 acres)
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	42598 225TH AVE
City	CHARITON
State	IA
Zip	50049-7761
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	19-71-21 PARCEL A SE NW & SW NE
Legal Range	21W
Legal Township	71N
Legal Section	19
Jurisdiction	LUCAS IA
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1063
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	42598 225TH AVE, CHARITON, IA 50049-7761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jul 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREAT WESTERN BANK
Sep 5, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 27, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 21, 2022	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2022 · Amount on Record
Deed Sale	Jun 21, 2022 · Amount on Record
Deed Document Number	20221040
Last Transfer Date	May 30, 2024
Transfer Doc	0020240613
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Recording Date	Jun 9, 2026
Property Address	42598 225TH AVE, CHARITON, IA 50049-7761
Document Number	0000000754
Instrument Date	May 14, 2026
Instrument	2026754
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42598 225TH AVE, CHARITON, IA 50049-7761

Mortgage

Document Number	0000000754,
Date	Jun 9, 2026
Instrument	2026754

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Jul 1, 2052

Interest

Rate	6.3%
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	42598 225TH AVE, CHARITON, IA 50049-7761
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020190910
Date	Jul 25, 2019
Instrument	2019-0910

Lender

Name	GREAT WESTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	42598 225TH AVE, CHARITON, IA 50049-7761
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42598 225TH AVE, CHARITON, IA 50049-7761

Mortgage

Document Number	0020231188
Date	Sep 5, 2023
Instrument	2023-1188

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Jul 1, 2052

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	42598 225TH AVE, CHARITON, IA 50049-7761
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42598 225TH AVE, CHARITON, IA 50049-7761

Mortgage

Document Number	0020250925
Date	Jun 27, 2025
Instrument	2025-0925

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jul 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS IA
Recording Date	Jun 21, 2022
Property Address	42598 225TH AVE, CHARITON, IA 50049-7761
Document Number	0020221040
Map Reference	BK 3 PG 121
Instrument Date	Jun 17, 2022
Instrument	2022-1040
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	42598 255TH AVE, CHARITON, IA 50049

Mortgage

Document Number	0020221041
Date	Jun 21, 2022
Instrument	2022-1041

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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
2026	$1,382.00 (+17.72%) Homeowner's exemption	$105,762 (-) Land $20,605 Building $85,157	$105,762 (-) Land $20,605 Building $85,157
2025	$1,174.00 Homeowner's exemption Additional exemption filed	$105,762 (+28.56%) Land $20,605 Building $85,157	$105,762 (+28.56%) Land $20,605 Building $85,157
2024	$1,174.00 (-0.51%)
2023		$82,267 Land $13,347 Building $68,920	$82,267 Land $13,347 Building $68,920
2021	$1,180.00

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

Flood

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	Low lower than 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Cell Coverage

5G (outdoors only) and 4G LTE

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