3374 320th St, Ruthven, IA 51358 Property Records

Clay County property record for 3374 320th St, Ruthven, IA 51358

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 384 sqft · built 1972
Lot Size	0.168 acres (7,325 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Aug 2018)
Tax Bill	$1,984 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`973536277012`

Property Details

APN / Parcel Number

Primary APN	`973536277012`
Alternative APN	`02097353627701200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	384 sqft Living Area
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,325 sqft (0.168 acres)

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Patio Area	309 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	3374 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 12 HI'S BAY LOT 12 HI'S BAY III
Legal Range	35W
Legal Township	97N
Legal Section	36
Legal Subdivision	HIS BAY III SUB
Legal Lot Number	12
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	215 S MCCOY ST, ALGONA, IA 50511-2212
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2018	Deed of Trust, Mortgage IOWA STATE SAVINGS BANK
Aug 20, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2018 · Amount on Record
Deed Sale	Aug 20, 2018 · Amount on Record
Deed Document Number	20182225
Deed Book / Page	2018 / 2225
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3374 320TH ST, RUTHVEN, IA 51358
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002226
Date	Aug 20, 2018
Book Page	0000002018/0000002226
Instrument	000000002226

Lender

Name	IOWA STATE SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 20, 2018
Property Address	3374 320TH ST, RUTHVEN, IA 51358
Document Number	2018/2225
Book / Page	2018 / 2225
Instrument Date	Aug 13, 2018
Instrument	000000002225
Transaction Type	Transfer
Record Updated	Jun 28, 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	215 S MCCOY ST, ALGONA, IA 50511-2212

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	$1,984.00 (-0.9%)	$167,760 (+2.83%) Land $106,000 Building $61,760	$167,760 (+2.83%) Land $106,000 Building $61,760
2024	$2,002.00 (-1.38%)
2023		$163,150 (+12.32%) Land $106,000 Building $57,150	$163,150 (+12.32%) Land $106,000 Building $57,150
2022	$2,030.00	$145,250 Land $106,000 Building $39,250
2021			$145,250 Land $106,000 Building $39,250

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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