401 Centennial Dr, Cherokee, IA 51012 Property Records

Cherokee County property record for 401 Centennial Dr, Cherokee, IA 51012

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,416 sqft · built 1981
Lot Size	0.427 acres (18,600 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,772 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0722380004`

Property Details

APN / Parcel Number

Primary APN	`0722380004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,416 sqft Living Area
1st Floor Area	1,416 sqft
Basement Area	1,416 sqft
Finished Basement	1,000 sqft
Unfinished Basement	416 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,600 sqft (0.427 acres)
Lot Dimensions	120 ft deep x 155 ft wide
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Deck Area	104 sqft
Patio Area	795 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 CENTENNIAL DR
City	CHEROKEE
State	IA
Zip	51012-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 1 LUNDSGAARD 1ST ADD 8462
Legal Subdivision	LUNDSGAARD 1ST ADD
Legal Block	1
Legal Lot Number	11
Jurisdiction	CHEROKEE IA
Township / Civil Division	CHEROKEE
Census Block Group	1
Census Block	1010
Census Tract	80102

Owner

401 Centennial Dr is owned and occupied by two individuals.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 CENTENNIAL DR, CHEROKEE, IA 51012-2207
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Recording Date	Jun 8, 2026
Property Address	401 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Document Number	0000001093
Book / Page	2026 / 1093
Instrument Date	Jun 2, 2026
Instrument	20261093
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CENTENNIAL DR, CHEROKEE, IA 51012-2207

Mortgage

Document Number	0000001093,
Date	Jun 8, 2026
Book Page	2026/1093
Instrument	20261093

Lender

Name	CHEROKEE STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 2, 2041

Interest

Rate	5.72%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 401 Centennial Dr was $3,772 with exemptions applied, up 1.5% from the year before.

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	$3,772.00 (+1.45%)	$288,790 (-) Land $33,330 Building $255,460	$288,790 (-) Land $33,330 Building $255,460
2025	$3,718.00 Homeowner's exemption Senior Citizen's exemption	$288,790 Land $33,330 Building $255,460	$288,790 Land $33,330 Building $255,460
2024	$3,718.00
2023		$256,360 (+44.98%) Land $33,330 Building $223,030	$256,360 Land $33,330 Building $223,030
2022	$3,134.00 Homeowner's exemption	$176,820 Land $33,330 Building $143,490
2021			$176,820 Land $33,330 Building $143,490

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 401 Centennial Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 1, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 401 Centennial Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 66% of Iowa
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 WATER SUPPLY - PLANT 1 serves 5,199 people · EPA ID IA1811020
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2023–2025) 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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Northwest Communications Fixed Wireless	100 / 20

May also be available: C-M-L Telephone Cooperative Association, Verizon.

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