Cherokee County property record for 405 E Spruce St, Marcus, IA 51035
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,080 sqft · built 1956 |
| Lot Size | 0.072 acres (3,139 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $74,500 (Oct 2017) |
| Tax Bill | $1,408 (2024) |
| Deeds & Mortgages | Sep 2017 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0133485002 |
| Primary APN | 0133485002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| Basement Area | 1,080 sqft |
| Game Room | Game Room |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Wood Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,139 sqft (0.072 acres) |
| Lot Dimensions | 73 ft deep x 43 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 144 sqft |
| Patio Area | 425 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Street Address | 405 E SPRUCE ST |
|---|---|
| City | MARCUS |
| State | IA |
| Zip | 51035-7748 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E43' LT 10 & N13' E43' LT 9 BLK 28 6TH ADD 4577 |
| Legal Range | 42 |
| Legal Township | 93 |
| Legal Section | 33 |
| Legal Subdivision | 6TH ADD |
| Legal Block | 28 |
| Legal Lot Number | 9,10 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | MARCUS |
| Census Block Group | 3 |
| Census Block | 3066 |
| Census Tract | 80200 |
Source: Cherokee County records, as of October 6, 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 Record |
|---|---|
| Mailing Address | 513 N 11TH ST, CHEROKEE, IA 51012-1524 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2017 | Deed of Trust, Mortgage · ARM CENTRAL BANK |
| Oct 27, 2017 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 27, 2017 · Amount on Record |
| Deed Sale | Oct 27, 2017 · Amount on Record |
| Prior Sale | Oct 23, 2009 · Amount on Record |
| Deed Document Number | 2017 2088 |
| Deed Book / Page | 2017 / 2088 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Property Address | 405 E SPRUCE ST, MARCUS, IA 51035-7748 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02017/1808 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 2017/1808 |
| Instrument | 2017 1808 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Sep 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Oct 27, 2017 |
| Property Address | 405 E SPRUCE ST, MARCUS, IA 51035-7748 |
| Document Number | 02017/2088 |
| Book / Page | 2017 / 2088 |
| Instrument Date | Oct 24, 2017 |
| Instrument | 2017 2088 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $118.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4968 J AVE, CLEGHORN, IA 51014-7030 |
| Document Number | 0020172089 |
|---|---|
| Date | Oct 27, 2017 |
| Instrument | 2017 2089 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2032 |
Source: Cherokee County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Cherokee County |
| Municipality | Marcus City |
| Unified School District | Marcus-Meriden-Cleghorn Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $106,980 (+11.37%) Land $4,450 Building $102,530 | $106,980 (+11.37%) Land $4,450 Building $102,530 | |
| 2024 | $1,408.00 (+50.43%) | ||
| 2023 | $96,060 (+45.11%) Land $4,450 Building $91,610 | $96,060 (+45.11%) Land $4,450 Building $91,610 | |
| 2022 | $936.00 Homeowner's exemption | $66,200 Land $4,450 Building $61,750 | |
| 2021 | $66,200 Land $4,450 Building $61,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 76% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | MARCUS WATER SUPPLY serves 1,079 people · EPA ID IA1838032 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 2 ppb (2022–2024) 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 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Westel Systems Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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