Cherokee County property record for 326 Sumner St, Cherokee, IA 51012
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,560 sqft · built 1890 |
| Lot Size | 0.195 acres (8,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $35,000 (Oct 2018) |
| Tax Bill | $1,732 (2026) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Oct 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0727429021 |
| Primary APN | 0727429021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| 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 | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 234 sqft |
| Patio Area | 45 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 326 SUMNER ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1479 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLK 1 HUXFORD ADD 7208 |
| Legal Subdivision | HUXFORD ADD |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 80101 |
326 Sumner St is owned and occupied by two individuals who bought it in October 2018.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 326 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 |
|---|---|
| Mar 29, 2022 | Warranty Deed, Transfer · FHA Mortgage CENTRAL BANK |
| Oct 30, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2018 · Amount on File |
| Deed Sale | Oct 30, 2018 · Amount on File |
| Deed Document Number | 20182187 |
| Deed Book / Page | 2018 / 2187 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Mar 29, 2022 |
| Property Address | 326 SUMNER ST, CHEROKEE, IA 51012-1479 |
| Document Number | 002022/785 |
| Book / Page | 2022 / 785 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 2022 0705 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $147.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 410 E BOW DR APT C1, C1, CHEROKEE, IA 51012-1150 |
| Document Number | 0020220706 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2022 0706 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Oct 30, 2018 |
| Property Address | 326 SUMNER ST, CHEROKEE, IA 51012-1479 |
| Document Number | 2018/2187 |
| Book / Page | 2018 / 2187 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 2018 2187 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $55.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 322 SUMNER ST, CHEROKEE, IA 51012-1479 |
The 2026 property tax bill for 326 Sumner St was $1,732.
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 | $1,732.00 | $122,370 (+4.82%) Land $10,400 Building $111,970 | $122,370 (+4.82%) Land $10,400 Building $111,970 |
| 2025 | $116,740 Land $10,400 Building $106,340 | $116,740 Land $10,400 Building $106,340 | |
| 2024 | $1,698.00 | ||
| 2023 | $102,300 (+24.73%) Land $10,400 Building $91,900 | $102,300 Land $10,400 Building $91,900 | |
| 2022 | $1,562.00 | $82,020 Land $7,800 Building $74,220 | |
| 2021 | $82,020 Land $7,800 Building $74,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 326 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 326 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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