310 Main St, Sutherland, IA 51058 Property Records

O'Brien County property record for 310 Main St, Sutherland, IA 51058

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,115 sqft · built 1920
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on File
Last Sale	$86,000 (May 2025)
Tax Bill	$828 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit May 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0000516000`

Property Details

APN / Parcel Number

Primary APN	`0000516000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,115 sqft Living Area
1st Floor Area	384 sqft
Basement Area	846 sqft
Finished Basement	192 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	A-Frame
Exterior Material	Shingles
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	528 sqft
Deck Area	144 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	310 MAIN ST
City	SUTHERLAND
State	IA
Zip	51058-7706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD OF OUT LOTS 6-7 LOTS 7 & 8 BLK 1
Legal Subdivision	ORIGINAL TOWN OF NOW CITY OF SUTHERLAND
Legal Block	1
Legal Lot Number	6-7,8
Jurisdiction	O'BRIEN IA
Township / Civil Division	WATERMAN
Census Block Group	2
Census Block	2029
Census Tract	490400

Owner

310 Main St is owned and occupied by an individual who bought it in May 2025.

Source: O'Brien County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	310 MAIN ST, SUTHERLAND, IA 51058-7706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit SECURITY STATE BANK
May 2, 2025	Warranty Deed, Transfer · FHA Mortgage FLANAGAN STATE BANK
Sep 15, 2021	Warranty Deed, Transfer · Commercial Mortgage SECURITY STATE BANK
Jul 10, 2019	Warranty Deed, Transfer · Conventional Mortgage SECURITY STATE BANK
Nov 4, 2013	Warranty Deed, Transfer · Line of Credit CHEROKEE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2025 · Amount on File
Deed Sale	May 2, 2025 · Amount on File
Prior Sale	Sep 15, 2021 · Amount on File
Deed Document Number	2025976
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	O'BRIEN IA
Property Address	310 MAIN ST, SUTHERLAND, IA 51058-7706
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 432, SUTHERLAND, IA 51058-0432

Mortgage

Document Number	0020230744
Date	Apr 24, 2023
Instrument	2023-0744

Lender

Name	SECURITY STATE BANK
Type	Bank
Address	SUTHERLAND, IA 51058

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	O'BRIEN IA
Recording Date	May 2, 2025
Property Address	310 MAIN ST, SUTHERLAND, IA 51058-7706
Document Number	0020250976
Instrument Date	May 1, 2025
Instrument	2025-0976
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 MAIN ST, SUTHERLAND, IA 51058-7706

Mortgage

Document Number	0020250977
Date	May 2, 2025
Instrument	2025-0977

Lender

Name	FLANAGAN STATE BANK
Type	Bank
Address	333 CHICAGO RD, PAW PAW, IL 61353

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2055

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	O'BRIEN IA
Recording Date	Sep 15, 2021
Property Address	310 MAIN ST, SUTHERLAND, IA 51058-7706
Document Number	0202102716
Instrument Date	Sep 15, 2021
Instrument	2021-02716
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 432, SUTHERLAND, IA 51058-0432

Mortgage

Document Number	0202102717
Date	Sep 15, 2021
Instrument	2021-02717

Lender

Name	SECURITY STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	O'BRIEN IA
Recording Date	Jul 10, 2019
Property Address	310 MAIN ST, SUTHERLAND, IA 51058-7706
Document Number	0201901486
Instrument Date	Jun 26, 2019
Instrument	2019-01486
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	310 MAIN ST, SUTHERLAND, IA 51058-7706

Mortgage

Document Number	0201901487
Date	Jul 10, 2019
Instrument	2019-01487

Lender

Name	SECURITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2034

November 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	O'BRIEN IA
Recording Date	Nov 4, 2013
Property Address	310 MAIN ST, SUTHERLAND, IA 51058-7706
Document Number	0201303376
Instrument Date	Nov 1, 2013
Instrument	2013-03376
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	301 W SOUTHERN ST, SUTHERLAND, IA 51058-7726
Investor	Possibly a Property Investor

Mortgage

Document Number	0201303377
Date	Nov 4, 2013
Instrument	2013-03377

Lender

Name	CHEROKEE STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 310 Main St was $828 with a homeowner's exemption, up 22.8% from the year before.

Source: O'Brien County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	O'Brien County
Municipality	Sutherland City
Unified School District	South O'Brien Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$828.00 (+22.85%) Homeowner's exemption	$76,910 Land $8,730 Building $68,180	$76,910 Land $8,730 Building $68,180
2024	$674.00
2023		$59,640 (+98.87%) Land $6,980 Building $52,660	$59,640 Land $6,980 Building $52,660
2022	$524.00	$29,990 Land $4,370 Building $25,620
2021			$29,990 Land $4,370 Building $25,620

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 310 Main St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 310 Main 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 144 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

May also be available: Nextlink.

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