3345 320th St, Ruthven, IA 51358 Property Records

Clay County property record for 3345 320th St, Ruthven, IA 51358

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,624 sqft · built 1994
Lot Size	0.139 acres (6,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Feb 2020)
Tax Bill	$4,734 (2025)
Deeds & Mortgages	Feb 2009 Mortgage Apr 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`973536427002`

Property Details

APN / Parcel Number

Primary APN	`973536427002`
Alternative APN	`02097353642700200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	1,120 sqft
Attic	Attic
Attic Area	504 sqft
Basement Area	1,120 sqft
Finished Basement	900 sqft
Unfinished Basement	1,120 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,050 sqft (0.139 acres)
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Deck Area	300 sqft
Patio Area	300 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	3345 320TH ST
City	RUTHVEN
State	IA
Zip	51358-7507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4 RURAL
Legal Description	18-19 G SUMNER BEACH
Legal Range	35W
Legal Township	97N
Legal Section	36
Legal Subdivision	SUMNER BEACH
Jurisdiction	CLAY IA
Township / Civil Division	LAKE
Census Block Group	3
Census Block	3156
Census Tract	80100

Owner

Source: Clay 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	3345 320TH ST, RUTHVEN, IA 51358-7507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2009	Deed of Trust, Mortgage · Conventional Mortgage IOWA STATE BANK
Apr 15, 2026	Affidavit, Transfer
Feb 28, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage IOWA STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020 · Amount on Record
Deed Sale	Feb 28, 2020 · Amount on Record
Deed Document Number	2020508
Deed Book / Page	2020 / 508
Record Updated	Oct 29, 2026

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3345 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02009/0833
Date	Feb 27, 2009
Book Page	2009/0833
Instrument	2009 0833

Lender

Name	IOWA STATE BANK
Type	Bank
Address	RUTHVEN, IA 51358

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2039

April 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CLAY IA
Recording Date	Apr 15, 2026
Property Address	3345 320TH ST, RUTHVEN, IA 51358-7507
Document Number	0000000873
Book / Page	2026 / 873
Instrument Date	Apr 15, 2026
Instrument	2026873
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3345 320TH ST, RUTHVEN, IA 51358-7507

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 28, 2020
Property Address	3345 320TH ST, RUTHVEN, IA 51358-7507
Document Number	002020/508
Book / Page	2020 / 508
Instrument Date	Feb 25, 2020
Instrument	508
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000509
Date	Feb 28, 2020
Instrument	509

Lender

Name	IOWA STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Unified School District	Graettinger-Terril Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,734.00 (-0.08%) Homeowner's exemption	$426,000 (+3.9%) Land $155,200 Building $270,800	$426,000 (+3.9%) Land $155,200 Building $270,800
2024	$4,738.00 (-8.43%)
2023		$410,000 (+8.17%) Land $155,200 Building $254,800	$410,000 (+8.17%) Land $155,200 Building $254,800
2022	$5,174.00 Homeowner's exemption	$379,040 Land $155,200 Building $223,840
2021			$379,040 Land $155,200 Building $223,840

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 February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2018)
Most Recent Claim	Jun 2018 · Severe Storms, Tornadoes, Straight-line Winds, And 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 67% of the US · above 58% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
River Valley Telecommunications Cooperative Fiber	500 / 500

May also be available: Nextlink.

Nearby Properties on 320th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures