3362 320th St, Ruthven, IA 51358 Property Records

Clay County property record for 3362 320th St, Ruthven, IA 51358

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,248 sqft · built 1960
Lot Size	0.171 acres (7,450 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Feb 2008)
Tax Bill	$3,106 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`973536277018`

Property Details

APN / Parcel Number

Primary APN	`973536277018`
Alternative APN	`02097353627701800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	864 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,450 sqft (0.171 acres)
Lot Dimensions	149 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	948 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3362 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 1 HI'S BAY II LOT 18 HI'S BAY III
Legal Range	35W
Legal Township	97N
Legal Section	36
Legal Subdivision	HIS BAY 02
Legal Lot Number	1,18
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	Individual Name on Record
Mailing Address	3362 320TH ST, RUTHVEN, IA 51358-7507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Aug 1, 2017	Deed of Trust, Mortgage · ARM NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2008 · Amount on Record
Deed Sale	Feb 20, 2008 · Amount on Record
Deed Document Number	2008468
Deed Book / Page	2008 / 468
Prior Transfer Date	Feb 14, 2008
Prior Transfer Doc	02008/0468
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3362 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1153
Date	Jun 12, 2023
Book Page	2023/1153
Instrument	2023 1153

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 15, 2033

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3362 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2012
Date	Aug 1, 2017
Book Page	2017/2012
Instrument	2012

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	9.87%

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	$3,106.00 (+0.32%) Homeowner's exemption	$273,560 (+4.24%) Land $107,000 Building $166,560	$273,560 (+4.24%) Land $107,000 Building $166,560
2024	$3,096.00 (-5.03%)
2023		$262,440 (+8.4%) Land $107,000 Building $155,440	$262,440 (+8.4%) Land $107,000 Building $155,440
2022	$3,260.00 Homeowner's exemption	$242,110 Land $107,000 Building $135,110
2021			$242,110 Land $107,000 Building $135,110

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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