409 Centennial Dr, Cherokee, IA 51012 Property Records

Cherokee County property record for 409 Centennial Dr, Cherokee, IA 51012

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,512 sqft · built 1982
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (May 2009)
Tax Bill	$3,194 (2026)
Deeds & Mortgages	Jul 2020 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0722380013`

Property Details

APN / Parcel Number

Primary APN	`0722380013`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Basement Area	1,512 sqft
Finished Basement	42 sqft
Unfinished Basement	1,470 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	252 sqft
Deck Area	288 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 CENTENNIAL DR
City	CHEROKEE
State	IA
Zip	51012-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E100' LOT 13 BLK 1 LUNDSGAARDS 1ST ADD 8464A
Legal Subdivision	LUNDSGAARDS 1ST ADD
Legal Block	1
Legal Lot Number	13
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	409 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Deed of Trust, Mortgage · Line of Credit STATE SAVINGS BANK
Mar 16, 2020	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2009 · Amount on Record
Deed Sale	May 20, 2009 · Amount on Record
Deed Document Number	2009935
Deed Book / Page	2009 / 935
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	409 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1315
Date	Jul 23, 2020
Book Page	2020/1315
Instrument	2020 1315

Lender

Name	STATE SAVINGS BANK
Type	Bank
Address	CHEROKEE, IA 51012

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	409 CENTENNIAL DR, CHEROKEE, IA 51012-2207
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/421
Date	Mar 16, 2020
Book Page	2020/421
Instrument	2020 0421

Lender

Name	AMERICAN BANK NA
Type	Bank
Address	REMSEN, IA 51050

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Jun 1, 2020

Interest

Rate Type	Adjustable Rate

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	$3,194.00 (-1.05%)	$240,840 (-) Land $25,300 Building $215,540	$240,840 (-) Land $25,300 Building $215,540
2025		$240,840 (+10.23%) Land $25,300 Building $215,540	$240,840 (+10.23%) Land $25,300 Building $215,540
2024	$3,228.00 (+3.07%)
2023		$218,480 (+26.1%) Land $25,300 Building $193,180	$218,480 (+26.1%) Land $25,300 Building $193,180
2022	$3,132.00 Homeowner's exemption	$173,260 Land $25,300 Building $147,960
2021			$173,260 Land $25,300 Building $147,960

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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