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1200 Iowa St, Cherokee, IA, 51012

5beds
3baths
5,528sqft
$549,000
$99price/sqft
$4,357/moest. monthly cost
$174,280/yrincome needed

About This Home

A spacious ranch-style home offering over 5,500 square feet of living space on a rare 1.57-acre lot located on the northwest edge of town. This property combines the convenience of in-town living with the privacy, scenery, and outdoor space that are often difficult to find. The main level features an open-concept design highlighted by a beautiful kitchen with granite countertops, custom cabinetry, and generous workspace. The adjoining dining area showcases a wood-burning fireplace, while the living room features a large built-in entertainment center and a gas fireplace, creating warm and inviting gathering spaces throughout the home. The spacious primary suite includes a walk-in closet and a brand-new custom shower. Two additional bedrooms and a full bathroom complete the main floor, while new flooring adds a fresh, updated feel. The fully finished walkout basement provides exceptional additional living space, including 2 bedrooms, a full bathroom, office/bonus room, laundry area, storage room, multiple recreation spaces, and a large family room with a third fireplace. Whether you need room for entertaining, hobbies, working from home, or simply spreading out, this lower level offers outstanding flexibility. Outside, you'll find a beautifully landscaped backyard featuring a stunning water feature, mature trees, and abundant wildlife. The peaceful setting provides a country-like atmosphere while remaining within Cherokee city limits. A hot tub currently located on the property will be removed by the sellers, but the hookups will remain for the new owner. The oversized attached garage features two overhead doors while offering enough interior space to accommodate up to three vehicles. Additional off-street parking and the expansive lot provide even more room to enjoy. All of this makes 1200 Iowa Street a unique opportunity to own one of Cherokee's most impressive residential properties.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
Cherokee Middle SchoolGrades 5-81.1 mi
6/10
Washington High SchoolGrades 9-120.6 mi
4/10

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Shingle
  • Construction materials: Hardboard

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Water Softener: Included,Owned
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Poured,Walk-Out Access,Walk-out

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Built-in Features,Computer Area,Eat-in Kitchen,Master Bath,Master WI Closet,Granite/Quartz,Kitchen Island,Vaulted/Tray Ceilings
  • Door features: French Doors
  • Flooring: Luxury Vinyl
  • Number of fireplaces: 3
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 3,044
  • Finished area above ground: 2,484

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: 2 Central

Interior Area

  • Total structure area: 5,528
  • Total interior livable area: 5,528 sqft

Property

Details

  • Parcel number: 190350728427012
  • Zoning: 101
  • Zoning description: 101
  • Exclusions: Washer & Dryer.

Features

  • Patio & porch: Deck

Lot

  • Lot size: 1.57 Acres
  • Features: Landscaped,Retaining Wall,Wooded,See Remarks

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener,Concrete
  • Has garage: Yes
  • Attached garage spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Strong Wind
Winter Weather
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,776$33,312
Home Insurance *$597$7,164
Property Taxes $572$6,864
Electricity $412$4,948
Total$4,357$52,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,382/yr
40% on housing$130,710/yr
45% on housing$116,186/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.5%
15.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 51012$122
Cherokee County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 51012
Cherokee County$112

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-04Price change$549,000
2026-06-24Price change$569,000
2026-05-29Listed for sale$585,000
2023-03-10Sold$450,000
2023-02-04Listed for sale$485,000
2014-09-26Sold$395,000
2014-07-23Price change$399,000
2014-07-08Listed for sale$409,000
2013-06-21Sold$385,000
2006-10-03Sold$257,500

For Sale by Agent

AgentRusty W Rasmus
BrokerageRasmus Realty & Auction

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