407 Centennial Dr, Cherokee, IA 51012 Property Records

Cherokee County property record for 407 Centennial Dr, Cherokee, IA 51012

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,851 sqft · built 2022
Lot Size	0.766 acres (33,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$37,500 (Jul 2021)
Tax Bill	$7,118 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0722380012`

Property Details

APN / Parcel Number

Primary APN	`0722380012`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,851 sqft Living Area
1st Floor Area	1,841 sqft
Basement Area	1,841 sqft
Finished Basement	1,461 sqft
Unfinished Basement	1,841 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,360 sqft (0.766 acres)
Lot Dimensions	120 ft deep x 278 ft wide
Garage Type	Attached
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	90 sqft
Patio Area	143 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 CENTENNIAL DR
City	CHEROKEE
State	IA
Zip	51012-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W55' LOT 13 & ALL LOT 14 BLK 1 LUNDSGAARDS 1ST ADD 8464
Legal Range	40W
Legal Township	92N
Legal Section	22
Legal Subdivision	LUNDSGAARDS 1ST ADD
Legal Block	1
Legal Lot Number	13,14
Jurisdiction	CHEROKEE IA
Township / Civil Division	CHEROKEE
Census Block Group	1
Census Block	1010
Census Tract	80102

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	407 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK OF IOWA
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit NORTH STAR COMMUNITY CU
Oct 12, 2023	Deed of Trust, Mortgage · Closed-End Mortgage CHEROKEE STATE BANK
Oct 3, 2022	Deed of Trust, Mortgage · Construction Mortgage CHEROKEE STATE BANK
Jul 7, 2021	Warranty Deed, Transfer · Closed-End Mortgage CHEROKEE STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Deed Document Number	20211579
Deed Book / Page	2021 / 1579
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Recording Date	Apr 23, 2026
Property Address	407 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Document Number	0000000795
Book / Page	2026 / 795
Instrument Date	Apr 23, 2026
Instrument	2026795
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000795,
Date	Apr 23, 2026
Book Page	2026/795
Instrument	2026795

Lender

Name	UNITED BANK OF IOWA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	407 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1883
Date	Oct 30, 2023
Book Page	2023/1883
Instrument	2023 1883

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	407 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CENTENNIAL DR, CHEROKEE, IA 51012-2207

Mortgage

Document Number	02023/1770
Date	Oct 12, 2023
Book Page	2023/1770
Instrument	2023 1770

Lender

Name	CHEROKEE STATE BANK
Type	Bank
Address	CHEROKEE, IA 51012

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	66 Months
Due	Apr 1, 2029

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	407 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	633 N SARATOGA AVE, CHEROKEE, IA 51012-1478

Mortgage

Document Number	02022/2207
Date	Oct 3, 2022
Book Page	2022/2207
Instrument	2022 2207

Lender

Name	CHEROKEE STATE BANK
Type	Bank
Address	CHEROKEE, IA 51012

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 3, 2023

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE IA
Recording Date	Jul 7, 2021
Property Address	407 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Document Number	02021/1579
Book / Page	2021 / 1579
Instrument Date	Jul 7, 2021
Instrument	2021 1579
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59.20
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	633 N SARATOGA AVE, CHEROKEE, IA 51012-1478
Investor	Possibly a Property Investor

Mortgage

Document Number	0020211580
Date	Jul 7, 2021
Instrument	2021 1580

Lender

Name	CHEROKEE STATE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2022

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	$7,118.00 (-2.87%)	$490,830 (-13.25%) Land $42,200 Building $448,630	$565,830 (-) Land $42,200 Building $523,630
2025	$7,328.00 Homeowner's exemption	$565,830 (+652.83%) Land $42,200 Building $523,630	$565,830 (+652.83%) Land $42,200 Building $523,630
2024	$7,328.00 (+1,267.16%)
2023		$75,160 (+167.19%) Land $42,200 Building $32,960	$75,160 (+167.19%) Land $42,200 Building $32,960
2022	$536.00	$28,130 Land $28,130
2021			$28,130 Land $28,130

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

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

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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