Cherokee County property record for 700 Sumner St, Cherokee, IA 51012
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,104 sqft · built 1958 |
| Lot Size | 0.131 acres (5,704 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Mar 2026) |
| Tax Bill | $1,262 (2026) |
| Deeds & Mortgages | Apr 2026 Construction Loan Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0726327006 |
| Primary APN | 0726327006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 704 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,704 sqft (0.131 acres) |
| Lot Dimensions | 46 ft deep x 124 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 208 sqft |
| Patio Area | 208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 700 SUMNER ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1485 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 & 12 BLK 2 CLARKS REPLAT OF BURGESS ADD 7808 |
| Legal Subdivision | BURGESS ADD |
| Legal Block | 2 |
| Legal Lot Number | 11,12 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 80101 |
700 Sumner St is owned by an individual who bought it in March 2026.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 205 E RIDGEVIEW DR, CHEROKEE, IA 51012-1219 |
| 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.
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Construction Mortgage STATE SAVINGS BANK |
| Jun 21, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage CENTRAL BANK |
| Oct 2, 2020 | Land Contract, Transfer · Land Contract NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 16, 2026 · Amount on File |
| Deed Sale | Mar 16, 2026 · Amount on File |
| Prior Sale | Jun 21, 2022 · Amount on File |
| Deed Document Number | 2026520 |
| Deed Book / Page | 2026 / 520 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Apr 10, 2026 |
| Property Address | 700 SUMNER ST, CHEROKEE, IA 51012-1485 |
| Document Number | 0000000718 |
| Book / Page | 2026 / 718 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026718 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 205 E RIDGEVIEW DR, CHEROKEE, IA 51012-1219 |
| Document Number | 0000000718, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 2026/718 |
| Instrument | 2026718 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 10, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Jun 21, 2022 |
| Property Address | 700 SUMNER ST, CHEROKEE, IA 51012-1485 |
| Document Number | 02022/1355 |
| Book / Page | 2022 / 1355 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 2022 1355 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $79.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 600 W CEDAR ST, CHEROKEE, IA 51012-1317 |
| Document Number | 0020221356 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 2022 1356 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Land Contract |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Oct 2, 2020 |
| Property Address | 700 SUMNER ST, CHEROKEE, IA 51012-1485 |
| Document Number | 02020/1878 |
| Book / Page | 2020 / 1878 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 2020 1878 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 600 W CEDAR ST, CHEROKEE, IA 51012-1317 |
| Date | Oct 2, 2020 |
|---|
| Name | NOT AVAILABLE |
|---|
| Type | Land Contract |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 700 Sumner St was $1,262, down 0.8% 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 | $1,262.00 (-0.79%) | $85,110 (-) Land $8,930 Building $76,180 | $85,110 (-) Land $8,930 Building $76,180 |
| 2025 | $1,272.00 | $85,110 Land $8,930 Building $76,180 | $85,110 Land $8,930 Building $76,180 |
| 2024 | $1,272.00 | ||
| 2023 | $76,700 (+28.41%) Land $8,930 Building $67,770 | $76,700 Land $8,930 Building $67,770 | |
| 2022 | $1,138.00 | $59,730 Land $6,700 Building $53,030 | |
| 2021 | $59,730 Land $6,700 Building $53,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 700 Sumner St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 700 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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