640 S 8th St, Chariton, IA 50049 Property Records

Lucas County property record for 640 S 8th St, Chariton, IA 50049

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,656 sqft · built 1900
Lot Size	0.321 acres (13,983 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Feb 2021)
Tax Bill	$2,820 (2026)
Deeds & Mortgages	Aug 2014 Mortgage Dec 2016 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0729306002`

Property Details

APN / Parcel Number

Primary APN	`0729306002`

Interior

Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,656 sqft Living Area
Basement Area	325 sqft
Unfinished Basement	325 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	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,983 sqft (0.321 acres)
Porch	Slab
Porch Area	120 sqft
Deck Area	352 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	640 S 8TH ST
City	CHARITON
State	IA
Zip	50049-2520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	29-72-21 IN SUB DIV NW SW 84.7' X 165'
Legal Range	21W
Legal Township	72N
Legal Section	29
Jurisdiction	LUCAS IA
Township / Civil Division	CHARITON
Census Block Group	1
Census Block	1036
Census Tract	950400

Owner

640 S 8th St is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	640 S 8TH ST, CHARITON, IA 50049-2520
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 18, 2014	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY 1ST CU
Dec 19, 2016	Deed of Trust, Mortgage · Commercial Mortgage FARMERS AND MERCHANTS STATE BANK
Feb 8, 2021	Warranty Deed, Transfer · FHA Mortgage LAND HOME FINANCIAL SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2021 · Amount on File
Deed Sale	Feb 8, 2021 · Amount on File
Deed Document Number	2021182
Record Updated	Oct 29, 2026

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	640 S 8TH ST, CHARITON, IA 50049-2520
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020140299
Date	Aug 18, 2014
Instrument	2014 0299

Lender

Name	COMMUNITY 1ST CU
Address	OTTUMWA, IA 52501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2029

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS IA
Property Address	640 S 8TH ST, CHARITON, IA 50049-2520
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	H2016/0057
Date	Dec 19, 2016
Book Page	H2016/0057
Instrument	2016-1741

Lender

Name	FARMERS AND MERCHANTS STATE BANK
Address	WINTERSET, IA 50273

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS IA
Recording Date	Feb 8, 2021
Property Address	640 S 8TH ST, CHARITON, IA 50049-2520
Document Number	0020210182
Instrument Date	Jan 20, 2021
Instrument	2021-0182
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	$271.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 S 8TH ST, CHARITON, IA 50049-2520

Mortgage

Document Number	0020210183
Date	Feb 8, 2021
Instrument	2021-0183

Lender

Name	LAND HOME FINANCIAL SVCS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 640 S 8th St was $2,820 with exemptions applied, up 9.5% from the year before.

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
2026	$2,820.00 (+9.47%) Homeowner's exemption Veteran's exemption	$164,572 (-) Land $18,973 Building $145,599	$164,572 (-) Land $18,973 Building $145,599
2025	$2,576.00 Homeowner's exemption Veteran's exemption	$164,572 Land $18,973 Building $145,599	$164,572 Land $18,973 Building $145,599
2024	$2,576.00
2023		$137,132 Land $18,973 Building $118,159	$137,132 Land $18,973 Building $118,159
2021	$3,700.00

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

Flood

FEMA maps place 640 S 8th St 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 640 S 8th St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 65% of Iowa
Wildfire Likelihood	0.03% 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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