Cherokee County property record for 318 Sumner St, Cherokee, IA 51012
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,421 sqft · built 1920 |
| Lot Size | 0.195 acres (8,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $112,500 (Oct 2023) |
| Tax Bill | $2,711 (2026) |
| Deeds & Mortgages | Oct 2023 Mortgage Feb 2023 Foreclosure + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0727428021 |
| Primary APN | 0727428021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 4 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,421 sqft Living Area |
| 1st Floor Area | 616 sqft |
| Basement Area | 1,344 sqft |
| Unfinished Basement | 1,344 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,500 sqft (0.195 acres) |
| Lot Dimensions | 170 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 968 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 98 sqft |
| Patio Area | 54 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 318 SUMNER ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1479 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK 1 HUXFORD ADD 7206 |
| Legal Subdivision | HUXFORD ADD |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 80101 |
318 Sumner St is owned and occupied by an individual who bought it in October 2023.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 318 SUMNER ST, CHEROKEE, IA 51012-1479 |
| 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.
| Date | Document |
|---|---|
| Oct 11, 2023 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK |
| Feb 28, 2023 | Legal Action/Court Order, Foreclosure |
| Jan 27, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2023 · Amount on File |
| Deed Sale | Oct 11, 2023 · Amount on File |
| Deed Document Number | 20231757 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Oct 11, 2023 |
| Property Address | 318 SUMNER ST, CHEROKEE, IA 51012-1479 |
| Document Number | 02023/1757 |
| Book / Page | 2023 / 1757 |
| Instrument Date | Oct 5, 2023 |
| Instrument | 2023 1757 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 318 SUMNER ST, CHEROKEE, IA 51012-1479 |
| Document Number | 0020231758 |
|---|---|
| Date | Oct 11, 2023 |
| Instrument | 2023 1758 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Feb 28, 2023 |
| Property Address | 318 SUMNER ST, CHEROKEE, IA 51012-1479 |
| Document Number | 002023/296 |
| Book / Page | 2023 / 296 |
| Instrument Date | Feb 25, 2023 |
| Instrument | 2023 0296 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 208 CHIEF ST, CHEROKEE, IA 51012-1235 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Jan 27, 2022 |
| Property Address | 318 SUMNER ST, CHEROKEE, IA 51012-1479 |
| Document Number | 002022/237 |
| Book / Page | 2022 / 237 |
| Instrument Date | Jan 27, 2022 |
| Instrument | 2022 0237 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 318 SUMNER ST, CHEROKEE, IA 51012-1479 |
The 2026 property tax bill for 318 Sumner St was $2,711.
Source: Cherokee County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Cherokee County |
| Municipality | Cherokee City |
| Unified School District | Cherokee Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,711.00 | $103,190 (+5.31%) Land $10,400 Building $92,790 | $103,190 (+5.31%) Land $10,400 Building $92,790 |
| 2025 | $97,990 Land $10,400 Building $87,590 | $97,990 Land $10,400 Building $87,590 | |
| 2024 | $1,436.00 | ||
| 2023 | $86,490 (+33.58%) Land $10,400 Building $76,090 | $86,490 Land $10,400 Building $76,090 | |
| 2022 | $1,000.00 Homeowner's exemption | $64,750 Land $7,800 Building $56,950 | |
| 2021 | $64,750 Land $7,800 Building $56,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 Sumner St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 2013.
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 File 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 |
|
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 risk around 318 Sumner St is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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.
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