45167 225th Ave, Chariton, IA 50049 Property Records

Lucas County property record for 45167 225th Ave, Chariton, IA 50049

Property Summary

Property Type	Rural Home
Details	1 ba · 600 sqft · built 1900
Lot Size	18.3 acres (800,633 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Jul 2022)
Tax Bill	$5,122 (2026)
Deeds & Mortgages	Aug 2019 Refinance Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1106300004`

Property Details

APN / Parcel Number

Primary APN	`1106300004`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	600 sqft Living Area
Basement Area	300 sqft
Unfinished Basement	300 sqft
Flooring	Softwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	800,633 sqft (18.3 acres)

Exterior Amenities

Porch	Porch
Porch Area	18 sqft
Shed	1 Shed
Shed Area	600 sqft
Pole Barn	2,400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	45167 225TH AVE
City	CHARITON
State	IA
Zip	50049-7794
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	06-71-21 PARCEL B SE SW
Legal Range	21W
Legal Township	71N
Legal Section	06
Jurisdiction	LUCAS IA
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1058
Census Tract	950200

Owner

45167 225th Ave, a rural home, is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	45167 225TH AVE, CHARITON, IA 50049-7794
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY 1ST CREDIT UNION
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST HERITAGE BANK FSB
Dec 15, 2015	Deed of Trust, Mortgage · Conventional Mortgage ATKINS SAVINGS BANK & TRUST
Apr 17, 2014	Deed of Trust, Mortgage MIDWEST HERITAGE BANK FSB
Jul 27, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDWEST HERITAGE BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on File
Deed Sale	Jul 27, 2022 · Amount on File
Prior Sale	Aug 3, 2015 · Amount on File
Deed Document Number	20221213
Prior Transfer Date	Apr 14, 2010
Prior Transfer Doc	B2010/0570
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	45167 225TH AVE, CHARITON, IA 50049-7794
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020191080
Date	Aug 30, 2019
Instrument	2019-1080

Lender

Name	COMMUNITY 1ST CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2034

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	45167 225TH AVE, CHARITON, IA 50049-7794
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1010
Date	Jun 24, 2021
Book Page	2021/1010
Instrument	2021-1010

Lender

Name	MIDWEST HERITAGE BANK FSB
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

December 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	45167 225TH AVE, CHARITON, IA 50049-7794
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	G2015/0480
Date	Dec 15, 2015
Book Page	G2015/0480
Instrument	2015-1660

Lender

Name	ATKINS SAVINGS BANK & TRUST
Address	ATKINS, IA 52206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	45167 225TH AVE, CHARITON, IA 50049-7794
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	B2014/0660
Date	Apr 17, 2014
Book Page	B2014/0660
Instrument	2014-0496

Lender

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

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS IA
Recording Date	Jul 27, 2022
Property Address	45167 225TH AVE, CHARITON, IA 50049-7794
Document Number	0020221213
Map Reference	BK 8 PG 77
Instrument Date	Jul 25, 2022
Instrument	2022-1213
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	$855.20
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	45167 225TH AVE, CHARITON, IA 50049-7794

Mortgage

Document Number	0020221214
Date	Jul 27, 2022
Instrument	2022-1214

Lender

Name	MIDWEST HERITAGE BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 45167 225th Ave was $5,122, up 6.1% 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	$5,122.00 (+6.09%)	$367,056 (-) Land $16,928 Building $350,128	$367,056 (-) Land $16,928 Building $350,128
2025	$4,828.00 Additional exemption filed	$367,056 Land $16,928 Building $350,128	$367,056 Land $16,928 Building $350,128
2024	$4,828.00
2023		$315,339 Land $10,965 Building $304,374	$315,339 Land $10,965 Building $304,374
2021	$3,666.00

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

Flood

FEMA maps place 45167 225th Ave 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 45167 225th Ave is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 74% of Iowa
Wildfire Likelihood	0.07% 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 2 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
Rise Broadband Fixed Wireless	25 / 5

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