304 Centennial Dr, Cherokee, IA 51012 Property Records

Cherokee County property record for 304 Centennial Dr, Cherokee, IA 51012

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,624 sqft · built 1979
Lot Size	0.253 acres (11,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jul 2026)
Tax Bill	$3,238 (2026)
Deeds & Mortgages	Jul 2026 Sale & Construction Loan Jul 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0722379009`

Property Details

APN / Parcel Number

Primary APN	`0722379009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	1,624 sqft
Basement Area	1,624 sqft
Finished Basement	725 sqft
Unfinished Basement	899 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,000 sqft (0.253 acres)
Lot Dimensions	110 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	304 CENTENNIAL DR
City	CHEROKEE
State	IA
Zip	51012-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 3 LUNDSGAARDS 1ST ADD 8479
Legal Subdivision	LUNDSGAARDS 1ST ADD
Legal Block	3
Legal Lot Number	9
Jurisdiction	CHEROKEE IA
Township / Civil Division	CHEROKEE
Census Block Group	1
Census Block	1011
Census Tract	80102

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	2 Individual Names on Record
Mailing Address	304 CENTENNIAL DR, CHEROKEE, IA 51012-2206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Construction Loan · Construction Mortgage CHEROKEE STATE BANK
Jul 14, 2026	Deed of Trust, Mortgage · Construction Mortgage CHEROKEE STATE BANK
Apr 24, 2026	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK
Jan 18, 2019	Legal Action/Court Order, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Jan 18, 2019 · Amount on Record
Deed Document Number	20261342
Deed Book / Page	2026 / 1342
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHEROKEE IA
Recording Date	Jul 13, 2026
Property Address	304 CENTENNIAL DR, CHEROKEE, IA 51012-2206
Document Number	0000001342
Book / Page	2026 / 1342
Instrument Date	Jul 10, 2026
Instrument	20261342
Transaction Type	Construction Loan
Record Updated	Sep 1, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42,743.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 CENTENNIAL DR, CHEROKEE, IA 51012-2206

Mortgage

Document Number	0000001354,
Date	Jul 13, 2026
Instrument	20261354

Lender

Name	CHEROKEE STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	66 Months
Due	Jan 1, 2032

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Recording Date	Jul 14, 2026
Property Address	304 CENTENNIAL DR, CHEROKEE, IA 51012-2206
Document Number	0000001354
Book / Page	2026 / 1354
Instrument Date	Jul 10, 2026
Instrument	20261354
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CENTENNIAL DR, CHEROKEE, IA 51012-2207

Mortgage

Document Number	0000001354,
Date	Jul 14, 2026
Book Page	2026/1354
Instrument	20261354

Lender

Name	CHEROKEE STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	66 Months
Due	Jan 1, 2032

Interest

Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Recording Date	Apr 24, 2026
Property Address	304 CENTENNIAL DR, CHEROKEE, IA 51012-2206
Document Number	0000000801
Book / Page	2026 / 801
Instrument Date	Apr 20, 2026
Instrument	2026801
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 CENTENNIAL DR, CHEROKEE, IA 51012-2206

Mortgage

Document Number	0000000801,
Date	Apr 24, 2026
Book Page	2026/801
Instrument	2026801

Lender

Name	CENTRAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 30, 2027

Interest

Rate	6.22%
Max Rate	-1%

January 2019: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CHEROKEE IA
Recording Date	Jan 18, 2019
Property Address	304 CENTENNIAL DR, CHEROKEE, IA 51012-2206
Document Number	02019/0130
Book / Page	2019 / 0130
Instrument Date	Nov 28, 2018
Instrument	2019 0130
Transaction Type	Foreclosure
Record Updated	Oct 7, 2022

Transaction

Amount	Amount Recorded
Tax	$239.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	304 CENTENNIAL DR, CHEROKEE, IA 51012-2206

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	$3,238.00 (+2.02%)	$243,840 (-) Land $24,480 Building $219,360	$243,840 (-) Land $24,480 Building $219,360
2025	$3,174.00 Homeowner's exemption Senior Citizen's exemption	$243,840 (+13.3%) Land $24,480 Building $219,360	$243,840 (+13.3%) Land $24,480 Building $219,360
2024	$3,174.00 (+6.72%)
2023		$215,220 (+30.45%) Land $24,480 Building $190,740	$215,220 (+30.45%) Land $24,480 Building $190,740
2022	$2,974.00 Homeowner's exemption	$164,980 Land $24,480 Building $140,500
2021			$164,980 Land $24,480 Building $140,500

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

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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% 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	CHEROKEE WATER SUPPLY - PLANT 1 serves 5,199 people · EPA ID IA1811020
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2023–2025) 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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Northwest Communications Fixed Wireless	100 / 20

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

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