3372 320th St, Ruthven, IA 51358 Property Records

Clay County property record for 3372 320th St, Ruthven, IA 51358

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,568 sqft · built 1993
Lot Size	0.171 acres (7,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Nov 2019)
Tax Bill	$2,922 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`973536277013`

Property Details

APN / Parcel Number

Primary APN	`973536277013`
Alternative APN	`02097353627701300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
1st Floor Area	784 sqft
Flooring	Hardwood
Interior Walls	Paneling

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	A-Frame
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Lot Area	7,450 sqft (0.171 acres)

Exterior Amenities

Deck Area	420 sqft
Patio Area	480 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3372 320TH ST
City	RUTHVEN
State	IA
Zip	51358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4 RURAL
Legal Description	LOT 13 HI'S BAY LOT 13 HI'S BAY III
Legal Range	35W
Legal Township	97N
Legal Section	36
Legal Subdivision	HI S BAY PLAT III SUB
Legal Lot Number	13
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	117 WOODLAND DR, HUMBOLDT, IA 50548-8703
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF IOWA
Nov 18, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2019 · Amount on Record
Deed Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	20193083
Deed Book / Page	2019 / 3083
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3372 320TH ST, RUTHVEN, IA 51358
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002021/17
Date	Jan 5, 2021
Book Page	2021/17
Instrument	2021 0017

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3372 320TH ST, RUTHVEN, IA 51358
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2346
Date	Jul 23, 2021
Book Page	2021/2346
Instrument	2021 2346

Lender

Name	BANK OF IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2031

Interest

Rate Type	Adjustable Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 18, 2019
Property Address	3372 320TH ST, RUTHVEN, IA 51358
Document Number	02019/3083
Book / Page	2019 / 3083
Instrument Date	Nov 1, 2019
Instrument	3083
Transaction Type	Transfer
Record Updated	Aug 9, 2022

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
Address	117 WOODLAND DR, HUMBOLDT, IA 50548-8703
Investor	Possibly a Property Investor

Mortgage

Document Number	02019/3084
Date	Nov 18, 2019
Book Page	2019/3084
Instrument	3084

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$2,922.00 (-0.68%)	$247,210 (+3.11%) Land $107,000 Building $140,210	$247,210 (+3.11%) Land $107,000 Building $140,210
2024	$2,942.00 (+1.66%)
2023		$239,750 (+15.79%) Land $107,000 Building $132,750	$239,750 (+15.79%) Land $107,000 Building $132,750
2022	$2,894.00	$207,060 Land $107,000 Building $100,060
2021			$207,060 Land $107,000 Building $100,060

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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