Cherokee County property record for 425 Sumner St, Cherokee, IA 51012
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,234 sqft · built 1915 |
| Lot Size | 0.159 acres (6,930 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Jun 2022) |
| Tax Bill | $2,662 (2024) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0726306001 |
| Primary APN | 0726306001 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,234 sqft Living Area |
| 1st Floor Area | 1,085 sqft |
| Basement Area | 1,409 sqft |
| Finished Basement | 600 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Construction Type | Wood Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,930 sqft (0.159 acres) |
| Lot Dimensions | 70 ft deep x 99 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 296 sqft |
| Deck Area | 288 sqft |
| Patio Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 425 SUMNER ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1486 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 MASON S/D NW SW 5915 |
| Legal Range | 40 |
| Legal Township | 92 |
| Legal Section | 26 |
| Legal Subdivision | MASON S/D |
| Legal Block | 306 |
| Legal Lot Number | 11 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 80101 |
Source: Cherokee County records · APN 0726306001
Assessment roll updated May 1, 2025 · Last verified October 2025
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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 425 SUMNER ST, CHEROKEE, IA 51012-1486 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK |
| Sep 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 28, 2022 · Amount on Record |
| Deed Sale | Jun 28, 2022 · Amount on Record |
| Deed Document Number | 0020221576 |
| Deed Book / Page | 2013 / 1898 |
| Prior Transfer Date | Sep 27, 2013 |
| Prior Transfer Doc | 2013 1898 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Jul 19, 2022 |
| Property Address | 425 SUMNER ST, CHEROKEE, IA 51012-1486 |
| Document Number | 02022/1576 |
| Book / Page | 2022 / 1576 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 2022 1576 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $279.20 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 425 SUMNER ST, CHEROKEE, IA 51012-1486 |
| Document Number | 0020221577 |
|---|---|
| Date | Jul 19, 2022 |
| Instrument | 2022 1577 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Aug 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Property Address | 425 SUMNER ST, CHEROKEE, IA 51012-1486 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/1667 |
|---|---|
| Date | Sep 04, 2020 |
| Book Page | 2020/1667 |
| Instrument | 2020 1667 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2040 |
Source: Cherokee County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Cherokee County |
| Municipality | Cherokee City |
| Unified School District | Cherokee Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $181,830 (+13.33%) Land $11,940 Building $169,890 | $181,830 (+13.33%) Land $11,940 Building $169,890 | |
| 2024 | $2,662.00 (+9.73%) | ||
| 2023 | $160,450 (+25.95%) Land $11,940 Building $148,510 | $160,450 (+25.95%) Land $11,940 Building $148,510 | |
| 2022 | $2,426.00 Homeowner's exemption | $127,390 Land $8,960 Building $118,430 | |
| 2021 | $127,390 Land $8,960 Building $118,430 |
Source: FEMA National Flood Hazard Layer, Cherokee County (19035C), as of December 1, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190350801013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (2019–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable | 1,000 / 50 |
| Northwest Communications Cooperative Association Fixed Wireless | 100 / 20 |
May also be available: C-M-L Telephone Cooperative Association, Verizon.
Based on FCC filings for 284 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IA1811001, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CHEROKEE RWS - CHEROKEE SUBSYSTEM private · serves 3,315 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Also Mapped Here | CHEROKEE WATER SUPPLY - PLANT 1 |
| Lead | 2 ppb (2021–2023) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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