405 Centennial Dr, Cherokee, IA 51012 Property Records

Cherokee County property record for 405 Centennial Dr, Cherokee, IA 51012

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,740 sqft · built 1978
Lot Size	0.427 acres (18,600 sqft)
Owner	2 Individual Names on File
Last Sale	$408,500 (Jul 2022)
Tax Bill	$7,486 (2026)
Deeds & Mortgages	Nov 2014 Mortgage Nov 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0722380003`

Property Details

APN / Parcel Number

Primary APN	`0722380003`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	4 Half Baths
Total Rooms	12 Rooms
Building Area	2,740 sqft Living Area
1st Floor Area	2,740 sqft
Basement Area	2,740 sqft
Finished Basement	1,325 sqft
Unfinished Basement	2,740 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Other
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

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Deck Area	35 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 CENTENNIAL DR
City	CHEROKEE
State	IA
Zip	51012-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK 1 LUNDSGAARDS 1ST ADD 8463
Legal Subdivision	LUNDSGAARDS 1ST ADD
Legal Block	1
Legal Lot Number	12
Jurisdiction	CHEROKEE IA
Township / Civil Division	CHEROKEE
Census Block Group	1
Census Block	1010
Census Tract	80102

Owner

405 Centennial Dr is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 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

Date	Document
Nov 4, 2014	Deed of Trust, Mortgage · Conventional Mortgage CHEROKEE STATE BANK
Nov 4, 2013	Deed of Trust, Mortgage · Conventional Mortgage CHEROKEE STATE BANK
Mar 6, 2026	Warranty Deed, Transfer
Jul 19, 2022	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK
Sep 27, 2013	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on File
Deed Sale	Jul 19, 2022 · Amount on File
Prior Sale	Sep 27, 2013 · Amount on File
Deed Document Number	20221574
Deed Book / Page	2022 / 1574
Prior Transfer Date	Sep 25, 2013
Prior Transfer Doc	02013/1908
Record Updated	Oct 29, 2026

November 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	405 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02014/1903
Date	Nov 4, 2014
Book Page	2014/1903
Instrument	2014 1903

Lender

Name	CHEROKEE STATE BANK
Type	Non-Lending Institution
Address	CHEROKEE, IA 51012

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2044

November 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	405 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/2117
Date	Nov 4, 2013
Book Page	2013/2117
Instrument	2013 2117

Lender

Name	CHEROKEE STATE BANK
Type	Non-Lending Institution
Address	CHEROKEE, IA 51012

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE IA
Recording Date	Mar 6, 2026
Property Address	405 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Document Number	002026/480
Book / Page	2026 / 480
Instrument Date	Mar 4, 2026
Instrument	2026 0480
Transaction Type	Transfer
Record Updated	Apr 22, 2026

Transaction

Amount	Amount on Record
Tax	$122.40
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 CENTENNIAL DR, CHEROKEE, IA 51012-2207

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE IA
Recording Date	Jul 19, 2022
Property Address	405 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Document Number	02022/1574
Book / Page	2022 / 1574
Instrument Date	Jul 11, 2022
Instrument	2022 1574
Transaction Type	Transfer
Record Updated	Apr 22, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$652.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 CENTENNIAL DR, CHEROKEE, IA 51012-2207

Mortgage

Document Number	0020221575
Date	Jul 19, 2022
Instrument	2022 1575

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year CMT
Margin	3
Max Rate	10.2%

September 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE IA
Recording Date	Sep 27, 2013
Property Address	405 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Document Number	02013/1908
Book / Page	2013 / 1908
Instrument Date	Sep 25, 2013
Instrument	2013 1908
Transaction Type	Transfer
Record Updated	Apr 22, 2026

Transaction

Amount	Amount on Record
Tax	$319.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 CENTENNIAL DR, CHEROKEE, IA 51012-2207

Tax Assessment & Valuation

The 2026 property tax bill for 405 Centennial Dr was $7,486, up 3.9% 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	$7,486.00 (+3.94%)	$504,750 (-) Land $33,330 Building $471,420	$504,750 (-) Land $33,330 Building $471,420
2025	$7,202.00	$504,750 Land $33,330 Building $471,420	$504,750 Land $33,330 Building $471,420
2024	$7,202.00
2023		$433,970 (+42.31%) Land $33,330 Building $400,640	$433,970 Land $33,330 Building $400,640
2022	$5,808.00 Homeowner's exemption	$304,940 Land $33,330 Building $271,610
2021			$304,940 Land $33,330 Building $271,610

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

Flood

FEMA maps place 405 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 405 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.

Nearby Properties on Centennial Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures