1716 Ruby St, Sioux City, IA 51103 Property Records

Woodbury County property record for 1716 Ruby St, Sioux City, IA 51103

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,216 sqft · built 1964
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Tax Bill	$3,510 (2023)
Deeds & Mortgages	May 2026 Line of Credit Sep 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`894719435005`

Property Details

APN / Parcel Number

Primary APN	`894719435005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft
Basement Area	1,216 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Architectural Style	Raised Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)
Garage Type	Basement

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1716 RUBY ST
City	SIOUX CITY
State	IA
Zip	51103-2848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-175
Legal Description	SMITHS VILLA 2ND LOT 7 BLK 5 EX S 25 FT LOT 8 BLK 5
Legal Range	47
Legal Township	89
Legal Section	19
Legal Subdivision	SMITH VILLA 2ND
Legal Block	5
Legal Lot Number	7,8
Jurisdiction	WOODBURY IA
Township / Civil Division	SIOUX CITY
Census Block Group	4
Census Block	4005
Census Tract	800

Owner

Source: Woodbury County records, as of October 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1716 RUBY ST, SIOUX CITY, IA 51103-2848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Line of Credit PREMIER CREDIT UNION
Sep 29, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MUNICIPAL CU
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUNICIPAL CU
May 17, 2019	Deed of Trust, Mortgage · Line of Credit MUNICIPAL CU
May 18, 2018	Deed of Trust, Mortgage · Line of Credit MUNICIPAL CU
Dec 11, 2017	Deed of Trust, Mortgage · Line of Credit MUNICIPAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2012
Deed Sale	Oct 26, 2012
Deed Document Number	05840
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Recording Date	May 19, 2026
Property Address	1716 RUBY ST, SIOUX CITY, IA 51103-2848
Document Number	0000005356
Instrument Date	May 18, 2026
Instrument	20265356
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1716 RUBY ST, SIOUX CITY, IA 51103-2848

Mortgage

Document Number	0000005356,
Date	May 19, 2026
Instrument	20265356

Lender

Name	PREMIER CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2056

Interest

Rate	6.3%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	1716 RUBY ST, SIOUX CITY, IA 51103-2848
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1716 RUBY ST, SIOUX CITY, IA 51103-2848

Mortgage

Document Number	0000009351
Date	Sep 29, 2023
Instrument	2023-09351

Lender

Name	MUNICIPAL CU
Type	Credit Union
Address	SIOUX CITY, IA 51106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Sep 30, 2028

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	1716 RUBY ST, SIOUX CITY, IA 51103-2848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013537
Date	Oct 22, 2020
Instrument	2020-13537

Lender

Name	MUNICIPAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 12, 2025

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	1716 RUBY ST, SIOUX CITY, IA 51103-2848
Document Number	0000012525
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1716 RUBY ST SIOUX CITY IA 511032848, SIOUX CITY, IA 51103-2848

Mortgage

Document Number	0000012525
Date	May 24, 2019
Instrument	12525

Lender

Name	MUNICIPAL CU
Type	Credit Union
Address	SIOUX CITY, IA 51106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 23, 2024

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	1716 RUBY ST, SIOUX CITY, IA 51103-2848
Document Number	0000012900
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1716 RUBY ST SIOUX CITY IA 511032848, SIOUX CITY, IA 51103-2848

Mortgage

Document Number	0000012900
Date	May 25, 2018
Instrument	12900

Lender

Name	MUNICIPAL CU
Type	Credit Union
Address	SIOUX CITY, IA 51106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 24, 2023

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	1716 RUBY ST, SIOUX CITY, IA 51103-2848
Document Number	0000006899
Book / Page	000756 / 004323
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1716 RUBY ST SIOUX CITY IA 511032848, SIOUX CITY, IA 51103-2848

Mortgage

Document Number	0000006899
Date	Dec 15, 2017
Book Page	000756/004323
Instrument	6899

Lender

Name	MUNICIPAL CU
Type	Credit Union
Address	SIOUX CITY, IA 51106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 14, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Woodbury County assessment roll, as of May 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$210,200 (-1.13%) Land $30,300 Building $179,900	$210,200 (-1.13%) Land $30,300 Building $179,900
2023	$3,510.00 (+6.88%) Homeowner's exemption	$212,600 Land $25,500 Building $187,100	$212,600 Land $25,500 Building $187,100
2022	$3,284.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 22, 2024 · 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	2 (1989–1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 1998 · river or lake flooding

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

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	0.03% 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	SIOUX CITY WATER SUPPLY serves 85,791 people · EPA ID IA9778054
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2019
Treatment and Procedure	Treatment Techniques Mar 2017
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 617 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Sparklight Cable	1,000 / 50

May also be available: Long Lines Metro, Nextlink, Verizon.

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