O'Brien County property record for 305 E Southern St, Sutherland, IA 51058
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,728 sqft · built 1900 |
| Lot Size | 0.682 acres (29,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $156,000 (Mar 2026) |
| Tax Bill | $1,120 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Mar 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0000544700 |
| Primary APN | 0000544700 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Living Area |
| 1st Floor Area | 656 sqft |
| Attic | Attic |
| Attic Area | 164 sqft |
| Basement Area | 656 sqft |
| Unfinished Basement | 656 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | A-Frame |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,700 sqft (0.682 acres) |
| Lot Dimensions | 248 ft deep x 120 ft wide |
| Garage Type | Detached |
| Garage Area | 540 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 344 sqft |
| Deck Area | Deck Area |
| Patio Area | 312 sqft |
| Lean-To | 256 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 305 E SOUTHERN ST |
|---|---|
| City | SUTHERLAND |
| State | IA |
| Zip | 51058-7633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ADDITION LOT 10 EXC E 91.2 |
| Legal Subdivision | SOUTH ADD |
| Legal Lot Number | 10 |
| Jurisdiction | O'BRIEN IA |
| Township / Civil Division | WATERMAN |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 490400 |
Source: O'Brien County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 305 E SOUTHERN ST, SUTHERLAND, IA 51058-7633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 1, 2024 | Deed of Trust, Mortgage · Line of Credit SAVINGS BANK |
| Mar 3, 2026 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Feb 5, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage SECURITY STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2026 · Amount on Record |
| Deed Sale | Mar 3, 2026 · Amount on Record |
| Prior Sale | Feb 5, 2018 · Amount on Record |
| Deed Document Number | 2026662 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | O'BRIEN IA |
| Property Address | 305 E SOUTHERN ST, SUTHERLAND, IA 51058-7633 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 795 3RD ST NE, PRIMGHAR, IA 51245-1089 |
| Document Number | 0020240609 |
|---|---|
| Date | Apr 1, 2024 |
| Instrument | 2024-0609 |
| Name | SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | 185 S GREEN AVE, PRIMGHAR, IA 51245 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Jan 27, 2025 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | O'BRIEN IA |
| Recording Date | Mar 3, 2026 |
| Property Address | 305 E SOUTHERN ST, SUTHERLAND, IA 51058-7633 |
| Document Number | 0020260662 |
| Instrument Date | Feb 20, 2026 |
| Instrument | 2026-0662 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $248.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 305 E SOUTHERN ST, SUTHERLAND, IA 51058-7633 |
| Document Number | 0020260663 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 2026-0663 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | O'BRIEN IA |
| Recording Date | Feb 5, 2018 |
| Property Address | 305 E SOUTHERN ST, SUTHERLAND, IA 51058-7633 |
| Document Number | 0201800332 |
| Instrument Date | Feb 1, 2018 |
| Instrument | 2018-00332 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $55.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0201800333 |
|---|---|
| Date | Feb 5, 2018 |
| Instrument | 2018-00333 |
| Name | SECURITY STATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: O'Brien County assessment roll, as of December 19, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | O'Brien County |
| Municipality | Sutherland City |
| Unified School District | South O'Brien Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,120.00 (+50.34%) | $89,280 (+66.16%) Land $13,920 Building $75,360 | $89,280 (+66.16%) Land $13,920 Building $75,360 |
| 2024 | $745.00 (+35.95%) | ||
| 2023 | $53,730 (+33.59%) Land $11,140 Building $42,590 | $53,730 (+33.59%) Land $11,140 Building $42,590 | |
| 2022 | $548.00 Homeowner's exemption | $40,220 Land $6,960 Building $33,260 | |
| 2021 | $40,220 Land $6,960 Building $33,260 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 16, 2020
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 71% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | SUTHERLAND WATER SUPPLY serves 629 people · EPA ID IA7177007 |
|---|---|
| Water Source | Purchased groundwater from OSCEOLA RURAL WATER SYSTEM-SOUTH |
| Last State Inspection | Sep 2023 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Westel Systems Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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