310 Sumner St, Cherokee, IA 51012 Property Records

Cherokee County property record for 310 Sumner St, Cherokee, IA 51012

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,820 sqft · built 1920
Lot Size	0.293 acres (12,750 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,560 (2026)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0727428019`

Property Details

APN / Parcel Number

Primary APN	`0727428019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,820 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Finished Basement	500 sqft
Unfinished Basement	340 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,750 sqft (0.293 acres)
Lot Dimensions	170 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	1,088 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	310 SUMNER ST
City	CHEROKEE
State	IA
Zip	51012-1479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E1/2 LOT 2 & ALL LOT 3 BLK 1 HUXFORD EXTENSION 7204
Legal Range	40W
Legal Township	92N
Legal Section	27
Legal Subdivision	HUXFORD EXTENSION
Legal Block	1
Legal Lot Number	2,3
Jurisdiction	CHEROKEE IA
Township / Civil Division	CHEROKEE
Census Block Group	1
Census Block	1004
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	2 Individual Names on Record
Mailing Address	310 SUMNER ST, CHEROKEE, IA 51012-1479
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 17, 2025
Transfer Doc	02025/2305
Record Updated	Oct 29, 2026

December 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CHEROKEE IA
Recording Date	Dec 17, 2025
Property Address	310 SUMNER ST, CHEROKEE, IA 51012-1479
Document Number	02025/2305
Book / Page	2025 / 2305
Instrument Date	Dec 17, 2025
Instrument	2025 2305
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 SUMNER ST, CHEROKEE, IA 51012-1479

Mortgage

Document Number	02025/2306
Date	Dec 17, 2025
Book Page	2025/2306
Instrument	2025 2306

Lender

Name	UNITED BANK OF IOWA
Type	Bank
Address	501 2ND ST, IDA GROVE, IA 51445

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

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	$1,560.00 (+2.09%)	$130,720 (-) Land $15,600 Building $115,120	$130,720 (-) Land $15,600 Building $115,120
2025	$1,528.00 Homeowner's exemption Senior Citizen's exemption	$130,720 (+12.71%) Land $15,600 Building $115,120	$130,720 (+12.71%) Land $15,600 Building $115,120
2024	$1,528.00 (-1.8%)
2023		$115,980 (+28.01%) Land $15,600 Building $100,380	$115,980 (+28.01%) Land $15,600 Building $100,380
2022	$1,556.00 Homeowner's exemption	$90,600 Land $11,700 Building $78,900
2021			$90,600 Land $11,700 Building $78,900

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	13 (2013–2024)
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 · 9 claims Severe Storms, Tornadoes, And Flooding, May 2013 · 3 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	Low lower than 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	Under 0.01% 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	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 285 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, Nextlink, Verizon.