3380 320th St, Ruthven, IA 51358 Property Records

Clay County property record for 3380 320th St, Ruthven, IA 51358

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,436 sqft · built 1995
Lot Size	0.162 acres (7,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Jul 2023)
Tax Bill	$4,414 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`973536277009`

Property Details

APN / Parcel Number

Primary APN	`973536277009`
Alternative APN	`02097353627700900`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,436 sqft Living Area
1st Floor Area	1,064 sqft
Attic	Attic
Attic Area	372 sqft
Basement Area	1,064 sqft
Finished Basement	958 sqft
Unfinished Basement	106 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	A-Frame
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,050 sqft (0.162 acres)

Exterior Amenities

Deck Area	32 sqft
Patio Area	208 sqft
Shed	1 Shed
Shed Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3380 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 9 HI'S BAY LOT 9 HI'S BAY III
Legal Range	35W
Legal Township	97N
Legal Section	36
Legal Subdivision	HIS BAY III
Legal Lot Number	9
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	3380 320TH ST, RUTHVEN, IA 51358-7507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage FOUR POINTS FCU
Jul 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage FOUR POINTS FCU
May 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Feb 21, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Deed Document Number	20231359
Deed Book / Page	2023 / 1359
Prior Transfer Date	Feb 20, 2020
Prior Transfer Doc	2020/469
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3380 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3307 115TH AVE, BANCROFT, IA 50517-7011

Mortgage

Document Number	02025/2154
Date	Sep 11, 2025
Book Page	2025/2154
Instrument	2025 2154

Lender

Name	FOUR POINTS FCU
Type	Credit Union
Address	OMAHA, NE 68130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2040

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3380 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1361
Date	Jul 5, 2023
Book Page	2023/1361
Instrument	2023 1361

Lender

Name	FOUR POINTS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2038

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3380 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1276
Date	May 18, 2017
Book Page	2017/1276
Instrument	1276

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3380 320TH ST, RUTHVEN, IA 51358-7507
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/891
Date	Mar 23, 2021
Book Page	2021/891
Instrument	2021 0891

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Feb 21, 2020
Property Address	3380 320TH ST, RUTHVEN, IA 51358-7507
Document Number	2020/469
Book / Page	2020 / 469
Instrument Date	Feb 20, 2020
Instrument	469
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$4,414.00 (+1.1%)	$373,430 (+38.56%) Land $105,000 Building $268,430	$373,430 (+38.56%) Land $105,000 Building $268,430
2024	$4,366.00 (+29.71%)
2023		$269,500 (+7.97%) Land $105,000 Building $164,500	$269,500 (+7.97%) Land $105,000 Building $164,500
2022	$3,366.00 Homeowner's exemption	$249,600 Land $105,000 Building $144,600
2021			$249,600 Land $105,000 Building $144,600

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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