531 N 3rd St, Guttenberg, IA 52052 Property Records

Clayton County property record for 531 N 3rd St, Guttenberg, IA 52052

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.25 ba · 1,300 sqft · built 1939
Lot Size	0.357 acres (15,552 sqft)
Owner	Individual Name on File
Tax Bill	$1,926 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2022 Transfer + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`3008458009`

Property Details

APN / Parcel Number

Primary APN	`3008458009`

Interior

Bedrooms	2 Beds
Full Baths	3.25 Baths
Half Baths	3 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	804 sqft
Basement Area	804 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	A-Frame
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,552 sqft (0.357 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	175 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	531 N 3RD ST
City	GUTTENBERG
State	IA
Zip	52052-9284
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUTT. LOTS 9 & 10 BLK 78 & PT LOT 7 BLK D
Legal Subdivision	GUTTENBERG
Legal Block	78,D
Legal Lot Number	7,9-1
Jurisdiction	CLAYTON IA
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3053
Census Tract	70400

Owner

531 N 3rd St is owned and occupied by an individual who acquired it in September 2019.

Source: Clayton County records, as of September 14, 2026

Owner of Record	Individual Name on File
Mailing Address	531 N 3RD ST, GUTTENBERG, IA 52052-9284
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIDELITY BANK & TRUST NA
Nov 7, 2022	Intrafamily Transfer, Transfer
Oct 7, 2019	Warranty Deed, Transfer · Reverse Mortgage AMERICAN ADVISORS GOURP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 17, 2019
Transfer Doc	0000002908
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	531 N 3RD ST, GUTTENBERG, IA 52052-9284
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R04226
Date	Nov 21, 2022
Instrument	2022R04226

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAYTON IA
Recording Date	Nov 7, 2022
Property Address	531 N 3RD ST, GUTTENBERG, IA 52052-9284
Document Number	2022R04041
Instrument Date	Nov 3, 2022
Instrument	2022R04041
Transaction Type	Transfer
Record Updated	Nov 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 N 3RD ST, GUTTENBERG, IA 52052-9284

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAYTON IA
Recording Date	Oct 7, 2019
Property Address	531 N 3RD ST, GUTTENBERG, IA 52052-9284
Document Number	2019R02908
Instrument Date	Sep 17, 2019
Instrument	2019R02908
Transaction Type	Transfer
Record Updated	Nov 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 N 3RD ST, GUTTENBERG, IA 52052-9284

Mortgage

Document Number	2019R02909
Date	Oct 7, 2019
Instrument	2019R02909

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	265 Months
Due	Nov 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Type Change Date	Oct 1, 2020
Index	Other
Margin	2

Tax Assessment & Valuation

The 2025 property tax bill for 531 N 3rd St was $1,926 with a homeowner's exemption, up 12.5% from the year before.

Source: Clayton County assessment roll, as of November 3, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clayton County
Municipality	Guttenberg City
Unified School District	Clayton Ridge Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,926.00 (+12.5%) Homeowner's exemption	$157,837 Land $23,131 Building $134,706	$157,837 Land $23,131 Building $134,706
2024	$1,712.00
2023		$134,259 Land $20,114 Building $114,145	$134,259 Land $20,114 Building $114,145
2022	$2,000.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 531 N 3rd St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 28, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1983–1998)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 1998 · rainfall accumulation

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

Wildfire risk around 531 N 3rd St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GUTTENBERG WATER UTILITY serves 1,817 people · EPA ID IA2242018
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2024) action level 15 ppb
Copper	1.85 mg/L (2019–2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Alpine Communications Fiber · Fixed Wireless in parts of the area	500 / 500
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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