610 E Smith St, Russell, IA 50238 Property Records

Lucas County property record for 610 E Smith St, Russell, IA 50238

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,092 sqft · built 1975
Lot Size	1.42 acres (62,291 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,664 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1205153001`

Property Details

APN / Parcel Number

Primary APN	`1205153001`

Interior

Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	62,291 sqft (1.42 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	610 E SMITH ST
City	RUSSELL
State	IA
Zip	50238-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	05-71-20 FAIRVIEW N1/2 BLK 3 & ALLEY & STREET ADJ.
Legal Range	20W
Legal Township	71N
Legal Section	05
Legal Subdivision	FAIRVIEW
Legal Block	3
Jurisdiction	LUCAS IA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1060
Census Tract	950100

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	610 E SMITH ST, RUSSELL, IA 50238-1007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST IOWA STATE BANK
Aug 19, 2025	Deed of Trust, Mortgage · Commercial Mortgage MIDWEST HERITAGE BANK FSB

Assessor's Deed Record

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

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS IA
Recording Date	Dec 1, 2025
Property Address	610 E SMITH ST, RUSSELL, IA 50238-1007
Document Number	0020251728
Instrument Date	Nov 28, 2025
Instrument	2025-1728
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$303.20
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	610 E SMITH ST, RUSSELL, IA 50238-1007

Mortgage

Document Number	0020251729
Date	Dec 1, 2025
Instrument	2025-1729

Lender

Name	FIRST IOWA STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	610 E SMITH ST, RUSSELL, IA 50238-1007
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E SMITH ST, RUSSELL, IA 50238-1007

Mortgage

Document Number	0020251161
Date	Aug 19, 2025
Instrument	2025-1161

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jul 19, 2026

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Lucas County
Municipality	Russell City
Unified School District	Chariton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,664.00 (-2.7%) Homeowner's exemption	$158,247 (-) Land $28,431 Building $129,816	$158,247 (-) Land $28,431 Building $129,816
2025	$2,738.00 Homeowner's exemption	$158,247 (+0.29%) Land $28,431 Building $129,816	$158,247 (+0.29%) Land $28,431 Building $129,816
2024	$2,738.00 (+37.45%)
2023		$157,795 Land $28,431 Building $129,364	$157,795 Land $28,431 Building $129,364
2021	$1,992.00

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	Moderate above 44% of the US · above 75% of Iowa
Wildfire Likelihood	0.07% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Lockridge Networks Fixed Wireless	100 / 20
Windstream DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Rise Broadband.

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