4790 Smith Rd, Cherokee, IA 51012 Property Records

Cherokee County property record for 4790 Smith Rd, Cherokee, IA 51012

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,908 sqft · built 1910
Lot Size	5.3 acres (230,868 sqft)
Owner	2 Individual Names on File
Last Sale	$292,000 (Feb 2021)
Tax Bill	$3,462 (2026)
Deeds & Mortgages	Oct 2019 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0432300007`

Property Details

APN / Parcel Number

Primary APN	`0432300007`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,908 sqft Living Area
1st Floor Area	288 sqft
Basement Area	908 sqft
Finished Basement	275 sqft
Unfinished Basement	633 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Metal
Lot Area	230,868 sqft (5.3 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	264 sqft
Deck Area	504 sqft
Patio Area	300 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4790 SMITH RD
City	CHEROKEE
State	IA
Zip	51012-7126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR E1/2 SE SW 1352-C
Legal Range	39W
Legal Township	93N
Legal Section	32
Legal Subdivision	BURROUGHS MAGNETIC SPRING ADD
Legal Block	300
Jurisdiction	CHEROKEE IA
Township / Civil Division	SPRING
Census Block Group	1
Census Block	1064
Census Tract	80200

Owner

4790 Smith Rd is owned and occupied by two individuals who bought it in February 2021.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4790 SMITH RD, CHEROKEE, IA 51012-7126
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2019	Deed of Trust, Mortgage · Line of Credit CHEROKEE STATE BANK
Feb 5, 2021	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2021 · Amount on File
Deed Sale	Feb 5, 2021 · Amount on File
Prior Sale	Mar 16, 2005 · Amount on File
Deed Document Number	2021246
Deed Book / Page	2021 / 246
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	4790 SMITH RD, CHEROKEE, IA 51012-7126
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2151
Date	Oct 29, 2019
Book Page	2019/2151
Instrument	2019 2151

Lender

Name	CHEROKEE STATE BANK
Type	Bank
Address	CHEROKEE, IA 51012

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 22, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE IA
Recording Date	Feb 5, 2021
Property Address	4790 SMITH RD, CHEROKEE, IA 51012-7126
Document Number	2021/246
Book / Page	2021 / 246
Instrument Date	Feb 4, 2021
Instrument	2021 0246
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$466.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4790 SMITH RD, CHEROKEE, IA 51012-7126

Mortgage

Document Number	20210247
Date	Feb 5, 2021
Instrument	2021 0247

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 4790 Smith Rd was $3,462.

Source: Cherokee County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Cherokee County
Unified School District	Cherokee Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,462.00	$357,320 (-) Land $63,650 Building $293,670	$357,320 (-) Land $63,650 Building $293,670
2025		$357,320 Land $63,650 Building $293,670	$357,320 Land $63,650 Building $293,670
2024	$3,452.00
2023		$337,360 (+34.97%) Land $63,650 Building $273,710	$337,360 Land $63,650 Building $273,710
2022	$2,984.00	$249,960 Land $50,920 Building $199,040
2021			$249,960 Land $50,920 Building $199,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4790 Smith Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4790 Smith Rd is low, with a 0.01% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Evertek Fixed Wireless	35 / 5
Northwest Communications Fixed Wireless	25 / 10
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

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