221 E Main St, Cherokee, IA 51012 Property Records

Cherokee County property record for 221 E Main St, Cherokee, IA 51012

Property Summary

Property Type	Professional Building (Legal, Insurance, Real Estate, Business)
Details	4,240 sqft · built 1985
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Tax Bill	$3,398 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0734226006`

Property Details

APN / Parcel Number

Primary APN	`0734226006`

Interior

Units	2 Units
Stories	1 Story
Building Area	4,240 sqft Gross Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Roof Material	Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	221 E MAIN ST
City	CHEROKEE
State	IA
Zip	51012-2043
Property Category	Commercial
Property Type	Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business)
Legal Description	LOT 3 & 4 BLK 30 LEBOURVEAUS 2ND ADD 6486
Legal Range	40W
Legal Township	92N
Legal Section	34
Legal Subdivision	LEBOURVEAUS 2ND ADD
Legal Block	30
Legal Lot Number	3,4
Jurisdiction	CHEROKEE IA
Township / Civil Division	CHEROKEE
Census Block Group	3
Census Block	3022
Census Tract	80101

Owner

Source: Cherokee 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	Company Name on Record
Mailing Address	2015 INDIAN HILLS DR, SIOUX CITY, IA 51104-1611
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2018	Deed of Trust, Mortgage IOWA NEBRASKA STATE BANK
Mar 12, 2020	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	221 E MAIN ST, CHEROKEE, IA 51012-2043
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02018/0725
Date	Apr 18, 2018
Book Page	2018/0725
Instrument	2018 0725

Lender

Name	IOWA NEBRASKA STATE BANK
Type	Bank
Address	SIOUX CITY, IA 51106

Agreement

Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	221 E MAIN ST, CHEROKEE, IA 51012-2043
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/414
Date	Mar 12, 2020
Book Page	2020/414
Instrument	2020 0414

Lender

Name	CENTRAL BANK
Type	Bank
Address	SIOUX CITY, IA 51101

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,398.00 (+19.73%)	$182,780 (-) Land $6,250 Building $176,530	$182,780 (-) Land $6,250 Building $176,530
2025		$182,780 (+17.79%) Land $6,250 Building $176,530	$182,780 (+17.79%) Land $6,250 Building $176,530
2024	$2,838.00 (+29.71%)
2023		$155,170 (+35.14%) Land $6,250 Building $148,920	$155,170 (+35.14%) Land $6,250 Building $148,920
2022	$2,188.00	$114,820 Land $6,250 Building $108,570
2021			$114,820 Land $6,250 Building $108,570

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 December 1, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2019–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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	CHEROKEE RWS - CHEROKEE SUBSYSTEM private · serves 3,315 people · EPA ID IA1811001
Water Source	Groundwater
Last State Inspection	Oct 2023
Also Mapped Here	CHEROKEE WATER SUPPLY - PLANT 1
Lead	2 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 284 locations within half a mile, as of December 31, 2025

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

May also be available: C-M-L Telephone Cooperative Association, Verizon.

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