Emmet County property record for 101 3rd St, Gruver, IA 51334
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1920 |
| Lot Size | 0.197 acres (8,580 sqft) |
| Owner | Individual Name on File |
| Last Sale | $42,500 (Aug 2022) |
| Tax Bill | $540 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0614256006 |
| Primary APN | 0614256006 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 896 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,580 sqft (0.197 acres) |
| Lot Dimensions | 130 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 101 3RD ST |
|---|---|
| City | GRUVER |
| State | IA |
| Zip | 51334-8515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 8-9 & 10 BLK 4 O P |
| Legal Subdivision | OP GRUVER |
| Legal Block | 4 |
| Legal Lot Number | 8-10 |
| Jurisdiction | EMMET IA |
| Township / Civil Division | CENTER |
| Census Block Group | 2 |
| Census Block | 2127 |
| Census Tract | 70200 |
101 3rd St is owned by an individual who bought it in August 2022.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 515 N 7TH ST, ESTHERVILLE, IA 51334-1633 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2022 · Amount on File |
| Deed Sale | Aug 23, 2022 · Amount on File |
| Prior Sale | Jun 21, 2006 · Amount on File |
| Deed Document Number | 20221245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET IA |
| Property Address | 101 3RD ST, GRUVER, IA 51334-8515 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202201246 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 2022-01246 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 101 3rd St was $540.
Source: Emmet County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Emmet County |
| Municipality | Gruver City |
| Unified School District | Estherville Lincoln Central Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $540.00 | $38,300 (-) Land $4,100 Building $34,200 | $38,300 (-) Land $4,100 Building $34,200 |
| 2025 | $38,300 Land $4,100 Building $34,200 | $38,300 Land $4,100 Building $34,200 | |
| 2024 | $510.00 | ||
| 2023 | $33,900 (+41.25%) Land $2,700 Building $31,200 | $33,900 Land $2,700 Building $31,200 | |
| 2022 | $418.00 | $24,000 Land $2,700 Building $21,300 | |
| 2021 | $24,000 Land $2,700 Building $21,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 101 3rd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2019.
Source: FEMA National Flood Hazard Layer, effective September 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (2019–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
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 101 3rd 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 98% of the US · lower than 82% 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: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Estherville Communications Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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