Cherokee County property record for 321 Spruce St, Cherokee, IA 51012 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,379 sqft · built 1890 |
| Lot Size | 0.186 acres (8,140 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $772 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 0727428010 |
| Primary APN | 0727428010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,379 sqft Living Area |
| 1st Floor Area | 811 sqft |
| Basement Area | 811 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,140 sqft (0.186 acres) |
| Lot Dimensions | 110 ft deep x 74 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 174 sqft |
| Deck Area | 88 sqft |
| Patio Area | 190 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 321 SPRUCE ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT B EX E16.5' & S10' BLK 1 LOWRYS REPLAT OLESON 2ND ADD 7675 |
| Legal Range | 40 |
| Legal Township | 92 |
| Legal Section | 27 |
| Legal Subdivision | OLESON 2ND ADD |
| Legal Block | 1 |
| Legal Lot Number | B |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 80101 |
Source: Cherokee County records · APN 0727428010
Assessment roll updated May 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 SPRUCE ST, CHEROKEE, IA 51012-1446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Oct 20, 2005 |
| Transfer Doc | 2005/2112 |
| Record Updated | Jun 08, 2026 |
Source: Cherokee County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Cherokee County |
| Municipality | Cherokee City |
| Unified School District | Cherokee Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $63,410 (+11.7%) Land $13,170 Building $50,240 | $63,410 (+11.7%) Land $13,170 Building $50,240 | |
| 2024 | $772.00 (+13.2%) | ||
| 2023 | $56,770 (+26.95%) Land $13,170 Building $43,600 | $56,770 (+26.95%) Land $13,170 Building $43,600 | |
| 2022 | $682.00 Homeowner's exemption | $44,720 Land $9,880 Building $34,840 | |
| 2021 | $44,720 Land $9,880 Building $34,840 |
Source: FEMA National Flood Hazard Layer, Cherokee County (19035C), updated December 1, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190350801011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 15 individual NFIP policies nearby |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 13 (2013–2024) |
| Most Recent Claim | Jun 2024, river or lake flooding, Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims By Storm |
|
| Wildfire Risk | Low above 5% of the US · above 32% of Iowa |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 285 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Mediacom Communications | Cable | 1,000 / 50 |
| Northwest Communications Cooperative Association | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon, C-M-L Telephone Cooperative Association, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
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