920 W Bluff St, Cherokee, IA 51012 Property Records

Cherokee County property record for 920 W Bluff St, Cherokee, IA 51012

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,778 sqft · built 1959
Lot Size	0.183 acres (7,980 sqft)
Owner	Individual Name on File
Last Sale	$113,000 (May 2019)
Tax Bill	$2,314 (2026)
Deeds & Mortgages	Sep 2021 Line of Credit May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`0727302016`

Property Details

APN / Parcel Number

Primary APN	`0727302016`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,778 sqft Living Area
1st Floor Area	952 sqft
Basement Area	1,112 sqft
Finished Basement	475 sqft
Unfinished Basement	1,112 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,980 sqft (0.183 acres)
Lot Dimensions	133 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	66 sqft
Patio Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	920 W BLUFF ST
City	CHEROKEE
State	IA
Zip	51012-1531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23, 24 & E10' LOT 25 BLK 3 HILLSIDE ADD 7971
Legal Subdivision	HILLSIDE ADD
Legal Block	3
Legal Lot Number	23-25
Jurisdiction	CHEROKEE IA
Township / Civil Division	CHEROKEE
Census Block Group	1
Census Block	1008
Census Tract	80102

Owner

920 W Bluff St is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	920 W BLUFF ST, CHEROKEE, IA 51012-1531
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
Sep 27, 2021	Deed of Trust, Mortgage · Line of Credit CHEROKEE STATE BANK
May 2, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2019 · Amount on File
Deed Sale	May 2, 2019 · Amount on File
Deed Document Number	2019829
Deed Book / Page	2019 / 829
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE IA
Property Address	920 W BLUFF ST, CHEROKEE, IA 51012-1531
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 W BLUFF ST, CHEROKEE, IA 51012-1531

Mortgage

Document Number	2021/2225
Date	Sep 27, 2021
Book Page	2021/2225
Instrument	2021 2225

Lender

Name	CHEROKEE STATE BANK
Type	Bank
Address	CHEROKEE, IA 51012

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 21, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE IA
Recording Date	May 2, 2019
Property Address	920 W BLUFF ST, CHEROKEE, IA 51012-1531
Document Number	2019/0829
Book / Page	2019 / 0829
Instrument Date	May 2, 2019
Instrument	2019 0829
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 N PARK AVE, ALGONA, IA 50511-1040

Tax Assessment & Valuation

The 2026 property tax bill for 920 W Bluff St was $2,314 with exemptions applied.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,314.00	$235,460 (-) Land $13,100 Building $222,360	$235,460 (-) Land $13,100 Building $222,360
2025		$235,460 Land $13,100 Building $222,360	$235,460 Land $13,100 Building $222,360
2024	$2,180.00
2023		$155,260 (+55.26%) Land $13,100 Building $142,160	$209,230
2022	$1,736.00 Homeowner's exemption	$100,000 Land $10,190 Building $89,810
2021			$153,970

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

Flood

FEMA maps place 920 W Bluff 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

Wildfire risk around 920 W Bluff St 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C-M-L Telephone Cooperative Association Fiber	1,000 / 500
Mediacom Xtream Cable	1,000 / 50
Northwest Communications Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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