628 Grace Ave, Chariton, IA 50049 Property Records

Lucas County property record for 628 Grace Ave, Chariton, IA 50049

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,040 sqft · built 1984
Lot Size	0.304 acres (13,242 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,382 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0729328001`

Property Details

APN / Parcel Number

Primary APN	`0729328001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,242 sqft (0.304 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	25 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	628 GRACE AVE
City	CHARITON
State	IA
Zip	50049-2428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	29-72-21 LAKE VIEW N115' OF LOTS 1 THRU 3 INC. BLK D
Legal Range	21W
Legal Township	72N
Legal Section	29
Legal Subdivision	LAKE VIEW
Legal Block	D
Legal Lot Number	1-3
Jurisdiction	LUCAS IA
Township / Civil Division	CHARITON
Census Block Group	1
Census Block	1041
Census Tract	950400

Owner

Source: Lucas County records, as of May 27, 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	628 GRACE AVE, CHARITON, IA 50049-2428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS IA
Recording Date	Nov 2, 2020
Property Address	628 GRACE AVE, CHARITON, IA 50049-2428
Document Number	0020201616
Instrument Date	Oct 29, 2020
Instrument	2020-1616
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.20
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	628 GRACE AVE, CHARITON, IA 50049-2428

Mortgage

Document Number	0020201617
Date	Nov 2, 2020
Instrument	2020-1617

Lender

Name	COMMUNITY FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.5%
Index	1-Year CMT

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,382.00	$179,548 (+63.82%) Land $23,460 Building $156,088	$179,548 (+63.82%) Land $23,460 Building $156,088
2024	$2,382.00 (+35.34%)
2023		$109,600 Land $41,055 Building $68,545	$109,600 Land $41,055 Building $68,545
2021	$1,760.00

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
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 65% of the US · above 62% of Iowa
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CHARITON MUNICIPAL WATER WORKS serves 4,381 people · EPA ID IA5903011
Water Source	Purchased surface water from RATHBUN REGIONAL WATER ASSN (RATHBUN)
Last State Inspection	Jul 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2017
Treatment and Procedure	No certified operator Oct 2015
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Lockridge Networks Fixed Wireless	100 / 20

May also be available: Windstream.

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