Cherokee County property record for 445 Spruce St, Cherokee, IA 51012 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,316 sqft · built 1895 |
| Lot Size | 0.333 acres (14,522 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Nov 2020) |
| Tax Bill | $1,400 (2024) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Sep 2019 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0726301010 |
| Primary APN | 0726301010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,316 sqft Living Area |
| 1st Floor Area | 532 sqft |
| Basement Area | 518 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1895 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,522 sqft (0.333 acres) |
| Lot Dimensions | 137 ft deep x 106 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 64 sqft |
| Patio Area | 274 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 445 SPRUCE ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 EX S 273.75' E 8'EX S 273.75' OF LOT 9 OLD LOT 84 NW SW 5878 |
| Legal Range | 40 |
| Legal Township | 92 |
| Legal Section | 26 |
| Legal Block | 301 |
| Legal Lot Number | 8-9,84 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 80101 |
Source: Cherokee County records · APN 0726301010
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 | Individual Name on File |
|---|---|
| Mailing Address | 445 SPRUCE ST, CHEROKEE, IA 51012-1448 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage IOWA BANKERS MORTGAGE CORP |
| Sep 16, 2019 | Warranty Deed, Transfer · Line of Credit STATE SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 20, 2020 · Amount on Record |
| Deed Sale | Nov 20, 2020 · Amount on Record |
| Prior Sale | Sep 16, 2019 · Amount on Record |
| Deed Document Number | 2020 2304 |
| Deed Book / Page | 2020 / 2304 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Nov 20, 2020 |
| Property Address | 445 SPRUCE ST, CHEROKEE, IA 51012-1448 |
| Document Number | 2020/2304 |
| Book / Page | 2020 / 2304 |
| Instrument Date | Nov 13, 2020 |
| Instrument | 2020 2304 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 SPRUCE ST, CHEROKEE, IA 51012-1448 |
| Document Number | 20202305 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 2020 2305 |
| Name | IOWA BANKERS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Sep 16, 2019 |
| Property Address | 445 SPRUCE ST, CHEROKEE, IA 51012-1448 |
| Document Number | 2019/1845 |
| Book / Page | 2019 / 1845 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 2019 1845 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 SPRUCE ST, CHEROKEE, IA 51012-1448 |
| Document Number | 20191846 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 2019 1846 |
| Name | STATE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2049 |
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 | $105,880 (+11.94%) Land $18,510 Building $87,370 | $105,880 (+11.94%) Land $18,510 Building $87,370 | |
| 2024 | $1,400.00 (+13.64%) | ||
| 2023 | $94,590 (+28.66%) Land $18,510 Building $76,080 | $94,590 (+28.66%) Land $18,510 Building $76,080 | |
| 2022 | $1,232.00 Homeowner's exemption | $73,520 Land $13,880 Building $59,640 | |
| 2021 | $73,520 Land $13,880 Building $59,640 |
Source: FEMA National Flood Hazard Layer, Cherokee County (19035C), updated December 1, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190350801013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (2019–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jun 2024, river or lake flooding, Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 326 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Mediacom Communications | Cable | 2,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Northwest Communications Cooperative Association | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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