5502 River Rd, Cherokee, IA 51012 Property Records

Cherokee County property record for 5502 River Rd, Cherokee, IA 51012

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,816 sqft · built 1915
Lot Size	17.2 acres (749,668 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Oct 2018)
Tax Bill	$2,906 (2026)
Deeds & Mortgages	Sep 2019 Construction Loan Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1104300007`

Property Details

APN / Parcel Number

Primary APN	`1104300007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
1st Floor Area	900 sqft
Basement Area	916 sqft
Unfinished Basement	916 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	749,668 sqft (17.2 acres)
Garage Type	Detached
Garage Area	2,400 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	28 sqft
Patio Area	177 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5502 RIVER RD
City	CHEROKEE
State	IA
Zip	51012-7133
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 2 LOT 1 S1/2 SW 1151
Legal Range	40W
Legal Township	91N
Legal Section	04
Legal Subdivision	A SUB DIVISION OF THE WEST HALF W1/2 OF
Legal Block	300
Legal Lot Number	1,2
Jurisdiction	CHEROKEE IA
Township / Civil Division	PILOT
Census Block Group	3
Census Block	3076
Census Tract	80400

Owner

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	2 Individual Names on Record
Mailing Address	5502 RIVER RD, CHEROKEE, IA 51012-7133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2019	Deed of Trust, Mortgage · Construction Mortgage CHEROKEE STATE BANK
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit STATE SAVINGS BANK
Oct 16, 2018	Warranty Deed, Transfer · Line of Credit CHEROKEE STATE BANK
Oct 16, 2018	Legal Action/Court Order, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2018 · Amount on Record
Deed Sale	Oct 16, 2018 · Amount on Record
Prior Sale	Oct 16, 2018
Deed Document Number	20182058
Deed Book / Page	2018 / 2058
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	5502 RIVER RD, CHEROKEE, IA 51012-7133
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1911
Date	Sep 25, 2019
Book Page	2019/1911
Instrument	2019 1911

Lender

Name	CHEROKEE STATE BANK
Type	Bank
Address	CHEROKEE, IA 51012

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	5502 RIVER RD, CHEROKEE, IA 51012-7133
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5502 RIVER RD, CHEROKEE, IA 51012-7133

Mortgage

Document Number	02022/1430
Date	Jun 27, 2022
Book Page	2022/1430
Instrument	2022 1430

Lender

Name	STATE SAVINGS BANK
Type	Bank
Address	CHEROKEE, IA 51012

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE IA
Recording Date	Oct 16, 2018
Property Address	5502 RIVER RD, CHEROKEE, IA 51012-7133
Document Number	02018/2058
Book / Page	2018 / 2058
Map Reference	MB 2 PG 15
Instrument Date	Oct 4, 2018
Instrument	2018 2058
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
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	5502 RIVER RD, CHEROKEE, IA 51012-7133

Mortgage

Document Number	0020182059
Date	Oct 16, 2018
Instrument	2018 2059

Lender

Name	CHEROKEE STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	66 Months
Due	Apr 1, 2024

October 2018: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CHEROKEE IA
Recording Date	Oct 16, 2018
Property Address	5502 RIVER RD, CHEROKEE, IA 51012-7133
Document Number	02018/2057
Book / Page	2018 / 2057
Map Reference	MB 2 PG 15
Instrument Date	Oct 2, 2018
Instrument	2018 2057
Transaction Type	Foreclosure
Record Updated	Oct 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5502 RIVER RD, CHEROKEE, IA 51012-7133

Tax Assessment & Valuation

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	$2,906.00 (-2.87%)	$295,040 (-) Land $17,460 Building $277,580	$295,040 (-) Land $17,460 Building $277,580
2025		$295,040 (+129.28%) Land $17,460 Building $277,580	$295,040 (+129.28%) Land $17,460 Building $277,580
2024	$2,992.00 (+145.25%)
2023		$128,680 (+34.73%) Land $13,750 Building $114,930	$128,680 (+34.73%) Land $13,750 Building $114,930
2022	$1,220.00 Homeowner's exemption Additional exemption filed	$95,510 Land $11,010 Building $84,500
2021			$95,510 Land $11,010 Building $84,500

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

Flood

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	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 69% of Iowa
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Westel Systems Fiber	1,000 / 1,000
Northwest Communications Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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