Cherokee County property record for 456 Sumner St, Cherokee, IA 51012
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,579 sqft · built 1885 |
| Lot Size | 0.854 acres (37,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $127,000 (Mar 2022) |
| Tax Bill | $2,222 (2026) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0726304044 |
| Primary APN | 0726304044 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,579 sqft Living Area |
| 1st Floor Area | 618 sqft |
| Basement Area | 464 sqft |
| Unfinished Basement | 464 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 37,200 sqft (0.854 acres) |
| Lot Dimensions | 330 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 126 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 456 SUMNER ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1481 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W30' LOT 3 & N180' S330' LOT 3 & E50' LOT 4 OLD LOT 86 NW SW 5901 |
| Legal Block | 304 |
| Legal Lot Number | 3-4,86 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 80101 |
456 Sumner St is owned and occupied by two individuals who bought it in March 2022.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 456 SUMNER ST, CHEROKEE, IA 51012-1481 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2022 · Amount on File |
| Deed Sale | Mar 2, 2022 · Amount on File |
| Deed Document Number | 2022467 |
| Deed Book / Page | 2022 / 467 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Mar 2, 2022 |
| Property Address | 456 SUMNER ST, CHEROKEE, IA 51012-1481 |
| Document Number | 002022/467 |
| Book / Page | 2022 / 467 |
| Map Reference | MB 1 PG 54&98 |
| Instrument Date | Feb 22, 2022 |
| Instrument | 2022 0467 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $202.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 456 SUMNER ST, CHEROKEE, IA 51012-1481 |
| Document Number | 0020220468 |
|---|---|
| Date | Mar 2, 2022 |
| Instrument | 2022 0468 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
The 2026 property tax bill for 456 Sumner St was $2,222 with a homeowner's exemption, up 1.3% from the year before.
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 | $2,222.00 (+1.28%) | $160,650 (-) Land $21,600 Building $139,050 | $160,650 (-) Land $21,600 Building $139,050 |
| 2025 | $2,194.00 Homeowner's exemption | $160,650 Land $21,600 Building $139,050 | $160,650 Land $21,600 Building $139,050 |
| 2024 | $2,194.00 | ||
| 2023 | $142,470 (+38.76%) Land $21,600 Building $120,870 | $142,470 Land $21,600 Building $120,870 | |
| 2022 | $1,786.00 Homeowner's exemption | $102,670 Land $16,200 Building $86,470 | |
| 2021 | $102,670 Land $16,200 Building $86,470 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 456 Sumner St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2019.
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.
Wildfire risk around 456 Sumner St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 62% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% 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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