3370 320th St, Ruthven, IA 51358 Property Records

Clay County property record for 3370 320th St, Ruthven, IA 51358

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,288 sqft · built 2006
Lot Size	0.174 acres (7,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,500 (Jul 2019)
Tax Bill	$3,916 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`973536277014`

Property Details

APN / Parcel Number

Primary APN	`973536277014`
Alternative APN	`02097353627701400`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,600 sqft (0.174 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3370 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 14 HI'S BAY LOT 14 HI'S BAY III
Legal Range	35W
Legal Township	97N
Legal Section	36
Legal Subdivision	HIS BAY
Legal Lot Number	14
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	3370 320TH ST, RUTHVEN, IA 51358-7507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Jul 1, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on Record
Deed Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	20191657
Deed Book / Page	2019 / 1657
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3370 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/3005
Date	Oct 1, 2020
Book Page	2020/3005
Instrument	2020 3005

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 1, 2019
Property Address	3370 320TH ST, RUTHVEN, IA 51358-7507
Document Number	2019/1657
Book / Page	2019 / 1657
Instrument Date	Jun 25, 2019
Instrument	1657
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
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	3370 320TH ST, RUTHVEN, IA 51358-7507
Investor	Possibly a Property Investor

Mortgage

Document Number	1658
Date	Jul 1, 2019
Instrument	1658

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	02019/1657
Date	Jul 1, 2019
Book Page	2019/1657
Instrument	1657

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2020

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	$3,916.00 (+0.62%) Homeowner's exemption	$356,660 (+4.57%) Land $107,000 Building $249,660	$356,660 (+4.57%) Land $107,000 Building $249,660
2024	$3,892.00 (-8.42%)
2023		$341,070 (+8.99%) Land $107,000 Building $234,070	$341,070 (+8.99%) Land $107,000 Building $234,070
2022	$4,250.00	$312,940 Land $107,000 Building $205,940
2021			$312,940 Land $107,000 Building $205,940

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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