Cherokee County property record for 628 N 1st St, Cherokee, IA 51012
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,188 sqft · built 1894 |
| Lot Size | 0.126 acres (5,490 sqft) |
| Owner | Company Name on File |
| Last Sale | $140,000 (Aug 2024) |
| Tax Bill | $2,120 (2024) |
| Deeds & Mortgages | Oct 2022 Mortgage Mar 2021 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0727426018 |
| Primary APN | 0727426018 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| 1st Floor Area | 648 sqft |
| Basement Area | 648 sqft |
| Game Room | Game Room |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1894 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Wood Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,490 sqft (0.126 acres) |
| Lot Dimensions | 122 ft deep x 45 ft wide |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 628 N 1ST ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W122' N45' 'B' LOT 3 BLK 61 PT VAC N1 ST IRR CO'S 9TH ADD 6902 |
| Legal Range | 40 |
| Legal Township | 92 |
| Legal Section | 27 |
| Legal Block | 61 |
| Legal Lot Number | 3 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 2 |
| Census Block | 2063 |
| Census Tract | 80101 |
628 N 1st St is owned by a company that bought it in August 2024.
Source: Cherokee County records, as of October 6, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1329 SOUNDVIEW TRL, GULF BREEZE, FL 32561-4717 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 27, 2022 | Deed of Trust, Mortgage · Closed-End Mortgage STATE SAVINGS BANK |
| Mar 26, 2021 | Warranty Deed, Transfer · Line of Credit STATE SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2024 · Amount on File |
| Deed Sale | Aug 8, 2024 · Amount on File |
| Prior Sale | Mar 26, 2021 · Amount on File |
| Deed Document Number | 0020241416 |
| Deed Book / Page | 2024 / 1416 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Property Address | 628 N 1ST ST, CHEROKEE, IA 51012-1408 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 415 W CHERRY ST, CHEROKEE, IA 51012-1320 |
| Document Number | 02022/2387 |
|---|---|
| Date | Oct 27, 2022 |
| Book Page | 2022/2387 |
| Instrument | 2022 2387 |
| Name | STATE SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHEROKEE, IA 51012 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 21, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Mar 26, 2021 |
| Property Address | 628 N 1ST ST, CHEROKEE, IA 51012-1408 |
| Document Number | 2021/611 |
| Book / Page | 2021 / 611 |
| Instrument Date | Mar 23, 2021 |
| Instrument | 2021 0611 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 628 N 1ST ST, CHEROKEE, IA 51012-1408 |
| Document Number | 20210612 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 2021 0612 |
| Name | STATE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
Source: Cherokee County assessment roll, as of May 1, 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 |
|---|---|---|---|
| 2025 | $145,550 Land $8,370 Building $137,180 | $145,550 Land $8,370 Building $137,180 | |
| 2024 | $2,120.00 | ||
| 2023 | $126,560 (+355.74%) Land $8,370 Building $118,190 | $126,560 Land $8,370 Building $118,190 | |
| 2022 | $360.00 Homeowner's exemption | $27,770 Land $6,280 Building $21,490 | |
| 2021 | $27,770 Land $6,280 Building $21,490 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 628 N 1st St 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 risk around 628 N 1st St is low, with less than 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 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 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 285 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Northwest Communications Fixed Wireless | 100 / 20 |
May also be available: C-M-L Telephone Cooperative Association, Nextlink, Verizon.
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