Cherokee County property record for 432 Ash St, Cherokee, IA 51012
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,064 sqft · built 1957 |
| Lot Size | 0.169 acres (7,370 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $143,000 (May 2018) |
| Tax Bill | $2,160 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0726301020 |
| Primary APN | 0726301020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Basement Area | 1,064 sqft |
| Finished Basement | 875 sqft |
| Unfinished Basement | 189 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,370 sqft (0.169 acres) |
| Lot Dimensions | 110 ft deep x 67 ft wide |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 216 sqft |
| Patio Area | 89 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 432 ASH ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 OSTERLING ADD 8049 |
| Legal Subdivision | OSTERLING ADD |
| Legal Block | 301 |
| Legal Lot Number | 5 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 80101 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 432 ASH ST, CHEROKEE, IA 51012-1456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THINK MUTUAL BANK |
| May 1, 2018 | Warranty Deed, Transfer · Conventional Mortgage THINK MUTUAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2018 · Amount on Record |
| Deed Sale | May 1, 2018 · Amount on Record |
| Prior Sale | Aug 6, 2007 · Amount on Record |
| Deed Document Number | 2018815 |
| Deed Book / Page | 2018 / 815 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Property Address | 432 ASH ST, CHEROKEE, IA 51012-1456 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/1688 |
|---|---|
| Date | Sep 8, 2020 |
| Book Page | 2020/1688 |
| Instrument | 2020 1688 |
| Name | THINK MUTUAL BANK |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | May 1, 2018 |
| Property Address | 432 ASH ST, CHEROKEE, IA 51012-1456 |
| Document Number | 2018/0815 |
| Book / Page | 2018 / 0815 |
| Instrument Date | Apr 27, 2018 |
| Instrument | 2018 0815 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $228.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 432 ASH ST, CHEROKEE, IA 51012-1456 |
| Document Number | 20180816 |
|---|---|
| Date | May 1, 2018 |
| Instrument | 2018 0816 |
| Name | THINK MUTUAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2048 |
Source: Cherokee County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Cherokee County |
| Municipality | Cherokee City |
| Unified School District | Cherokee Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,160.00 (+2.76%) | $171,140 (-) Land $14,910 Building $156,230 | $171,140 (-) Land $14,910 Building $156,230 |
| 2025 | $171,140 (+13.65%) Land $14,910 Building $156,230 | $171,140 (+13.65%) Land $14,910 Building $156,230 | |
| 2024 | $2,102.00 (+6.7%) | ||
| 2023 | $150,580 (+34.05%) Land $14,910 Building $135,670 | $150,580 (+34.05%) Land $14,910 Building $135,670 | |
| 2022 | $1,970.00 Homeowner's exemption | $112,330 Land $11,930 Building $100,400 | |
| 2021 | $112,330 Land $11,930 Building $100,400 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 | CHEROKEE RWS - CHEROKEE SUBSYSTEM private · serves 3,315 people · EPA ID IA1811001 |
|---|---|
| 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, 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 326 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Northwest Communications Fixed Wireless | 100 / 20 |
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