3247 230th St, Ridgeway, IA 52165 Property Records

Winneshiek County property record for 3247 230th St, Ridgeway, IA 52165

Property Summary

Property Type	Rural Home
Details	4 bd · 1.5 ba · 1,904 sqft · built 1899
Lot Size	11.3 acres (495,277 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,486 (2026)
Deeds & Mortgages	Nov 2022 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093310000500`

Property Details

APN / Parcel Number

Primary APN	`093310000500`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
1st Floor Area	728 sqft
Basement Area	364 sqft
Unfinished Basement	364 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Metal
Lot Area	495,277 sqft (11.3 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Granary	Granary
Silo	Silo

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3247 230TH ST
City	RIDGEWAY
State	IA
Zip	52165-8582
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 1 NW NW
Legal Range	10W
Legal Township	98N
Legal Section	33
Legal Lot Number	1
Jurisdiction	WINNESHIEK IA
Township / Civil Division	LINCOLN
Census Block Group	4
Census Block	4061
Census Tract	950100

Owner

3247 230th St, a rural home, is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3247 230TH ST, RIDGEWAY, IA 52165-8582
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
Nov 15, 2022	Deed of Trust, Mortgage · Commercial Mortgage DECORAH BANK & TRUST CO
May 24, 2018	Deed of Trust, Mortgage CRESCO B&T CO
Jun 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage DECORAH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3247 230TH ST, RIDGEWAY, IA 52165-8582
Transaction Type	Mortgage
Record Updated	Jan 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/3474
Date	Nov 15, 2022
Book Page	2022/3474
Instrument	2022 3474

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 18, 2032

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3247 230TH ST, RIDGEWAY, IA 52165-8582
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001486
Date	May 24, 2018
Book Page	0000002018/0000001486
Instrument	000000001486

Lender

Name	CRESCO B&T CO

Agreement

Amount	Amount on Record

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	3247 230TH ST, RIDGEWAY, IA 52165-8582
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1958
Date	Jun 23, 2022
Book Page	2022/1958
Instrument	2022 1958

Lender

Name	DECORAH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 18, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3247 230th St was $2,486 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	$2,486.00	$225,930 (-) Land $10,820 Building $215,110	$225,930 (-) Land $10,820 Building $215,110
2025	$2,486.00 (+8.94%) Homeowner's exemption	$225,930 Land $10,820 Building $215,110	$225,930 Land $10,820 Building $215,110
2024	$2,282.00
2023		$190,450 (+26.45%) Land $7,990 Building $182,460	$190,450 Land $7,990 Building $182,460
2022	$2,050.00 Homeowner's exemption Additional exemption filed	$150,610 Land $6,430 Building $144,180
2021			$150,610 Land $6,430 Building $144,180

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

Flood

FEMA maps place 3247 230th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 3247 230th 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	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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Mabel Cooperative Telephone Company Fiber	200 / 40
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 230th St

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