325 E Willow St, Cherokee, IA 51012 Property Records

Cherokee County property record for 325 E Willow St, Cherokee, IA 51012

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,562 sqft · built 1924
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,022 (2026)
Deeds & Mortgages	Oct 2017 Mortgage Feb 2021 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`0727483022`

Property Details

APN / Parcel Number

Primary APN	`0727483022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,562 sqft Living Area
1st Floor Area	936 sqft
Attic	Attic
Attic Area	318 sqft
Basement Area	936 sqft
Finished Basement	425 sqft
Unfinished Basement	511 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	1,056 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	176 sqft
Deck Area	100 sqft
Patio Area	356 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	325 E WILLOW ST
City	CHEROKEE
State	IA
Zip	51012-1949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 & 14 BLK 1 CORBETTS ADD 7412
Legal Subdivision	CORBETTS ADD
Legal Block	1
Legal Lot Number	13,14
Jurisdiction	CHEROKEE IA
Township / Civil Division	CHEROKEE
Census Block Group	1
Census Block	1025
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	325 E WILLOW ST, CHEROKEE, IA 51012-1949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Feb 5, 2021	Deed of Trust, Mortgage · Line of Credit NORTH STAR COMMUNITY CU
Aug 8, 2017	Intrafamily Transfer, Transfer · FHA Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2017
Deed Sale	Aug 8, 2017
Deed Document Number	20171586
Deed Book / Page	2017 / 1586
Prior Transfer Date	Jul 31, 2017
Prior Transfer Doc	2017/1586
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	325 E WILLOW ST, CHEROKEE, IA 51012-1949
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2016
Date	Oct 13, 2017
Book Page	2017/2016
Instrument	2017 2016

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	VIENNA, VA 22182

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2047

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	325 E WILLOW ST, CHEROKEE, IA 51012-1949
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 E WILLOW ST, CHEROKEE, IA 51012-1949

Mortgage

Document Number	2021/252
Date	Feb 5, 2021
Book Page	2021/252
Instrument	2021 0252

Lender

Name	NORTH STAR COMMUNITY CU
Type	Credit Union
Address	CHEROKEE, IA 51012

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2031

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE IA
Recording Date	Aug 8, 2017
Property Address	325 E WILLOW ST, CHEROKEE, IA 51012-1949
Document Number	2017/1586
Book / Page	2017 / 1586
Instrument Date	Jul 31, 2017
Instrument	2017 1586
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW NATIONWID

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	325 E WILLOW ST, CHEROKEE, IA 51012-1949

Mortgage

Document Number	20171587
Date	Aug 8, 2017
Instrument	2017 1587

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$1,022.00 (-24.07%)	$81,840 (+18.73%) Land $6,380 Building $75,460	$81,840 (+18.73%) Land $6,380 Building $75,460
2025	$1,346.00 Homeowner's exemption	$68,930 (-24.49%) Land $12,750 Building $56,180	$68,930 (-24.49%) Land $12,750 Building $56,180
2024	$1,346.00 (+16.23%)
2023		$91,280 (+31.02%) Land $12,750 Building $78,530	$91,280 (+31.02%) Land $12,750 Building $78,530
2022	$1,158.00 Homeowner's exemption	$69,670 Land $10,630 Building $59,040
2021			$69,670 Land $10,630 Building $59,040

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Not rated no burnable land within 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 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 284 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, Verizon.

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