3154 230th St, Ridgeway, IA 52165 Property Records

Winneshiek County property record for 3154 230th St, Ridgeway, IA 52165

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 2,254 sqft · built 1918
Lot Size	3.55 acres (154,638 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,178 (2026)
Deeds & Mortgages	Apr 2018 Mortgage May 2019 Refinance + 6 more
Flood Zone	Zone A (high risk)
APN	`092840000600`

Property Details

APN / Parcel Number

Primary APN	`092840000600`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,254 sqft Living Area
1st Floor Area	730 sqft
Basement Area	893 sqft
Finished Basement	300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	154,638 sqft (3.55 acres)
Garage Type	Attached
Garage Area	1,032 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	294 sqft
Lean-To	Lean-To
Silo	Silo

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3154 230TH ST
City	RIDGEWAY
State	IA
Zip	52165-8581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1-1 SE SE & LOT 1 SW SW (27-98-10)
Legal Range	10W
Legal Township	98N
Legal Section	28
Legal Lot Number	1
Jurisdiction	WINNESHIEK IA
Township / Civil Division	LINCOLN
Census Block Group	4
Census Block	4056
Census Tract	950100

Owner

3154 230th St is owned and occupied by two individuals who acquired it in September 2019.

Source: Winneshiek County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3154 230TH ST, RIDGEWAY, IA 52165-8581
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2018	Deed of Trust, Mortgage CUSB BANK
May 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CUSB BANK
Sep 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CUSB BANK
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK
Sep 6, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 2, 2019
Transfer Doc	2019/2507
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3154 230TH ST, RIDGEWAY, IA 52165-8581
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001023
Date	Apr 16, 2018
Book Page	0000002018/0000001023
Instrument	000000001023

Lender

Name	CUSB BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3154 230TH ST, RIDGEWAY, IA 52165-8581
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1242
Date	May 24, 2019
Book Page	2019/1242
Instrument	1242

Lender

Name	CUSB BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3154 230TH ST, RIDGEWAY, IA 52165-8581
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2673
Date	Sep 19, 2019
Book Page	2019/2673
Instrument	2673

Lender

Name	CUSB BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3154 230TH ST, RIDGEWAY, IA 52165-8581
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1744
Date	May 26, 2020
Book Page	2020/1744
Instrument	2020 1744

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3154 230TH ST, RIDGEWAY, IA 52165-8581
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/5435
Date	Dec 28, 2020
Book Page	2020/5435
Instrument	2020 5435

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	252 Months
Due	Jan 1, 2041

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3154 230TH ST, RIDGEWAY, IA 52165-8581
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/2807
Date	Jul 27, 2020
Book Page	2020/2807
Instrument	2020 2807

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3154 230TH ST, RIDGEWAY, IA 52165-8581
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/352
Date	Jan 25, 2021
Book Page	2021/352
Instrument	2021 0352

Lender

Name	CUSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Sep 6, 2019
Property Address	3154 230TH ST, RIDGEWAY, IA 52165-8581
Document Number	2019/2507
Book / Page	2019 / 2507
Instrument Date	Sep 2, 2019
Instrument	2507
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3154 230TH ST, RIDGEWAY, IA 52165-8581

Tax Assessment & Valuation

The 2026 property tax bill for 3154 230th St was $3,178 with a homeowner's exemption.

Source: Winneshiek County assessment roll, as of October 21, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Winneshiek County
Unified School District	Howard-Winneshiek Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,178.00	$295,400 (-) Land $40,590 Building $254,810	$295,400 (-) Land $40,590 Building $254,810
2025	$3,178.00 (+6.5%) Homeowner's exemption	$295,400 Land $40,590 Building $254,810	$295,400 Land $40,590 Building $254,810
2024	$2,984.00
2023		$258,890 (+15.24%) Land $40,590 Building $218,300	$258,890 Land $40,590 Building $218,300
2022	$2,892.00 Homeowner's exemption	$224,650 Land $33,830 Building $190,820
2021			$224,650 Land $33,830 Building $190,820

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

Flood

FEMA maps place 3154 230th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3154 230th St is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mabel Cooperative Telephone Company Fiber	200 / 40
Nextlink Fixed Wireless	100 / 20
GigFire Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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