Cherokee County property record for 939 W Cedar St, Cherokee, IA 51012
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 988 sqft · built 1935 |
| Lot Size | 0.17 acres (7,425 sqft) |
| Owner | Individual Name on File |
| Last Sale | $108,000 (Nov 2021) |
| Tax Bill | $1,674 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0727353001 |
| Primary APN | 0727353001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Basement Area | 988 sqft |
| Finished Basement | 550 sqft |
| Unfinished Basement | 438 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,425 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 156 sqft |
| Patio Area | 440 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 939 W CEDAR ST |
|---|---|
| City | CHEROKEE |
| State | IA |
| Zip | 51012-1536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W50' LOT 9 BLK 69 IRR CO'S 13TH ADD 7046 |
| Legal Subdivision | THIRTEENTH ADDITION |
| Legal Block | 69 |
| Legal Lot Number | 9 |
| Jurisdiction | CHEROKEE IA |
| Township / Civil Division | CHEROKEE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 80102 |
939 W Cedar St is owned and occupied by an individual who bought it in November 2021.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 939 W CEDAR ST, CHEROKEE, IA 51012-1536 |
| 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.
| Date | Document |
|---|---|
| Nov 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST NATIONAL BANK |
| Mar 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK |
| Jan 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage IOWA BANKERS MORTGAGE CORP |
| Nov 21, 2019 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK |
| Jan 15, 2018 | Warranty Deed, Transfer · Conventional Mortgage IOWA BANKERS MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2021 · Amount on File |
| Deed Sale | Nov 12, 2021 · Amount on File |
| Prior Sale | Nov 21, 2019 · Amount on File |
| Deed Document Number | 20212644 |
| Deed Book / Page | 2021 / 2644 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Nov 12, 2021 |
| Property Address | 939 W CEDAR ST, CHEROKEE, IA 51012-1536 |
| Document Number | 02021/2644 |
| Book / Page | 2021 / 2644 |
| Instrument Date | Nov 5, 2021 |
| Instrument | 2021 2644 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 939 W CEDAR ST, CHEROKEE, IA 51012-1536 |
| Document Number | 0020212645 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 2021 2645 |
| Name | CITIZENS FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Property Address | 939 W CEDAR ST, CHEROKEE, IA 51012-1536 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/409 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 2021/409 |
| Instrument | 2021 0409 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Property Address | 939 W CEDAR ST, CHEROKEE, IA 51012-1536 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018/0154 |
|---|---|
| Date | Jan 24, 2018 |
| Book Page | 2018/0154 |
| Instrument | 2018 0154 |
| Name | IOWA BANKERS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | JOHNSTON, IA 50131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Nov 21, 2019 |
| Property Address | 939 W CEDAR ST, CHEROKEE, IA 51012-1536 |
| Document Number | 2019/2339 |
| Book / Page | 2019 / 2339 |
| Instrument Date | Nov 19, 2019 |
| Instrument | 2019 2339 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 939 W CEDAR ST, CHEROKEE, IA 51012-1536 |
| Document Number | 20192340 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 2019 2340 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Dec 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE IA |
| Recording Date | Jan 15, 2018 |
| Property Address | 939 W CEDAR ST, CHEROKEE, IA 51012-1536 |
| Document Number | 2018/0100 |
| Book / Page | 2018 / 0100 |
| Instrument Date | Jan 11, 2018 |
| Instrument | 2018 0100 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $127.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 939 W CEDAR ST, CHEROKEE, IA 51012-1536 |
| Document Number | 20180101 |
|---|---|
| Date | Jan 15, 2018 |
| Instrument | 2018 0101 |
| Name | IOWA BANKERS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
The 2026 property tax bill for 939 W Cedar St was $1,674.
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 | $1,674.00 | $112,870 (-) Land $11,180 Building $101,690 | $112,870 (-) Land $11,180 Building $101,690 |
| 2025 | $112,870 Land $11,180 Building $101,690 | $112,870 Land $11,180 Building $101,690 | |
| 2024 | $1,672.00 | ||
| 2023 | $100,760 (+26.34%) Land $11,180 Building $89,580 | $100,760 Land $11,180 Building $89,580 | |
| 2022 | $1,520.00 Homeowner's exemption | $79,750 Land $8,690 Building $71,060 | |
| 2021 | $79,750 Land $8,690 Building $71,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 939 W Cedar 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 939 W Cedar 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 94% of the US · lower than 65% 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 254 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, T-Mobile, Verizon.
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