Cherokee County property record for 320 Spruce St, Cherokee, IA 51012
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,696 sqft · built 1940 |
| Lot Size | 0.17 acres (7,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $92,500 (Feb 2016) |
| Tax Bill | $1,962 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 0727278014 |
| Primary APN | 0727278014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,696 sqft Living Area |
| 1st Floor Area | 790 sqft |
| Attic | Attic |
| Attic Area | 198 sqft |
| Basement Area | 790 sqft |
| Finished Basement | 400 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,400 sqft (0.17 acres) |
| Lot Dimensions | 148 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 280 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 320 SPRUCE ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BARRYS ADD 5974 |
| Legal Subdivision | BARRYS ADD |
| Legal Block | 278 |
| Legal Lot Number | 7 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 80101 |
320 Spruce St is owned and occupied by two individuals who bought it in February 2016.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 SPRUCE ST, CHEROKEE, IA 51012-1447 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2016 · Amount on File |
| Deed Sale | Feb 17, 2016 · Amount on File |
| Deed Document Number | 2016233 |
| Deed Book / Page | 2016 / 233 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 320 Spruce St was $1,962.
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 | $1,962.00 | $132,210 (-) Land $10,000 Building $122,210 | $132,210 (-) Land $10,000 Building $122,210 |
| 2025 | $132,210 Land $10,000 Building $122,210 | $132,210 Land $10,000 Building $122,210 | |
| 2024 | $1,954.00 | ||
| 2023 | $117,790 (+29.87%) Land $10,000 Building $107,790 | $117,790 Land $10,000 Building $107,790 | |
| 2022 | $1,728.00 | $90,700 Land $7,500 Building $83,200 | |
| 2021 | $90,700 Land $7,500 Building $83,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Spruce 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 320 Spruce 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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