3348 320th St, Ruthven, IA 51358 Property Records

Clay County property record for 3348 320th St, Ruthven, IA 51358

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,876 sqft · built 1915
Lot Size	0.317 acres (13,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,670 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`973536277023`

Property Details

APN / Parcel Number

Primary APN	`973536277023`
Alternative APN	`02097353627702300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,876 sqft Living Area
1st Floor Area	560 sqft
Basement Area	944 sqft
Finished Basement	500 sqft
Unfinished Basement	944 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	13,800 sqft (0.317 acres)
Lot Dimensions	230 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	892 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	64 sqft
Deck Area	336 sqft
Patio Area	588 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3348 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	LOT 4 HI'S BAY PLAT IV
Legal Range	35W
Legal Township	97N
Legal Section	36
Legal Subdivision	HIS BAY IV
Legal Lot Number	4
Jurisdiction	CLAY IA
Township / Civil Division	LAKE
Census Block Group	3
Census Block	3119
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	3348 320TH ST, RUTHVEN, IA 51358-7507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

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

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3348 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2478
Date	Sep 20, 2022
Book Page	2022/2478
Instrument	2022 2478

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	96 Months
Due	Jun 15, 2030

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3348 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1519
Date	May 17, 2021
Book Page	2021/1519
Instrument	2021 1519

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Jun 15, 2030

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3348 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1418
Date	May 29, 2020
Book Page	2020/1418
Instrument	2020 1418

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 15, 2030

Interest

Rate Type	Adjustable Rate

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	$3,670.00 (+0.27%) Homeowner's exemption	$321,360 (+4.18%) Land $141,600 Building $179,760	$321,360 (+4.18%) Land $141,600 Building $179,760
2024	$3,660.00 (-4.39%)
2023		$308,470 (+9.12%) Land $141,600 Building $166,870	$308,470 (+9.12%) Land $141,600 Building $166,870
2022	$3,828.00 Homeowner's exemption	$282,700 Land $141,600 Building $141,100
2021			$282,700 Land $141,600 Building $141,100

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 500 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 65% of the US · above 62% of Iowa
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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