3350 320th St, Ruthven, IA 51358 Property Records

Clay County property record for 3350 320th St, Ruthven, IA 51358

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,248 sqft · built 1919
Lot Size	0.639 acres (27,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,000 (Sep 2025)
Tax Bill	$4,732 (2025)
Deeds & Mortgages	Jul 2012 Mortgage Sep 2010 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`973536277027`

Property Details

APN / Parcel Number

Primary APN	`973536277027`
Alternative APN	`02097353627702700`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,248 sqft Living Area
1st Floor Area	648 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	27,820 sqft (0.639 acres)
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	3350 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 3 EXC N 30' HI'S BAY PLAT IV
Legal Range	35W
Legal Township	97N
Legal Section	36
Legal Subdivision	HIS BAY 04
Legal Lot Number	3
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	2326 270TH AVE, MILFORD, IA 51351-7115
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2012	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 3, 2010	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 22, 2007	Legal Action/Court Order, Foreclosure · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on Record
Deed Sale	Sep 5, 2025 · Amount on Record
Prior Sale	May 22, 2007 · Amount on Record
Deed Document Number	20252103
Deed Book / Page	2025 / 2103
Record Updated	Oct 29, 2026

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3350 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/1959
Date	Jul 3, 2012
Book Page	2012/1959
Instrument	2012 1959

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2027

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3350 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/2398
Date	Sep 3, 2010
Book Page	2010/2398
Instrument	2010 2398

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2025

May 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	May 22, 2007
Property Address	3350 320TH ST, RUTHVEN, IA 51358-7507
Document Number	02007/1505
Book / Page	2007 / 1505
Instrument Date	May 4, 2007
Instrument	2007 1505
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0020071506
Date	May 22, 2007
Instrument	2007 1506

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2022

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	$4,732.00 (-2.11%)	$400,220 (+1.62%) Land $243,360 Building $156,860	$400,220 (+1.62%) Land $243,360 Building $156,860
2024	$4,834.00 (-8.27%)
2023		$393,840 (+4.47%) Land $243,360 Building $150,480	$393,840 (+4.47%) Land $243,360 Building $150,480
2022	$5,270.00	$376,980 Land $243,360 Building $133,620
2021			$376,980 Land $243,360 Building $133,620

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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