1017 3rd Ave W, Spencer, IA 51301 Property Records

Clay County property record for 1017 3rd Ave W, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,092 sqft · built 1963
Lot Size	0.15 acres (6,550 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (May 2020)
Tax Bill	$3,268 (2025)
Deeds & Mortgages	Aug 2019 Refinance Dec 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607301005`

Property Details

APN / Parcel Number

Primary APN	`963607301005`
Alternative APN	`64096360730100500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Basement Area	1,092 sqft
Finished Basement	500 sqft
Unfinished Basement	1,092 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,550 sqft (0.15 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	336 sqft
Patio Area	150 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	1017 3RD AVE W
City	SPENCER
State	IA
Zip	51301-3639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 100' 1 1 2ND RY
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2028
Census Tract	80301

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	S4014 BEAVER CREEK DR, HILLSBORO, WI 54634-3068
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Dec 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Nov 14, 2022	Warranty Deed, Transfer
May 19, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK MIDWEST NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2020 · Amount on Record
Deed Sale	May 19, 2020 · Amount on Record
Deed Document Number	20201294
Deed Book / Page	2020 / 1294
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1017 3RD AVE W, SPENCER, IA 51301-3639
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/2059
Date	Aug 8, 2019
Book Page	2019/2059
Instrument	2059

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1017 3RD AVE W, SPENCER, IA 51301-3639
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3312
Date	Dec 12, 2019
Book Page	2019/3312
Instrument	3312

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 14, 2022
Property Address	1017 3RD AVE W, SPENCER, IA 51301-3639
Document Number	02022/2961
Book / Page	2022 / 2961
Instrument Date	Nov 7, 2022
Instrument	2022 2961
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Tax	$338.40
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4014 BEAVER CREEK DR, HILLSBORO, WI 54634

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 19, 2020
Property Address	1017 3RD AVE W, SPENCER, IA 51301-3639
Document Number	02020/1294
Book / Page	2020 / 1294
Instrument Date	May 4, 2020
Instrument	2020 1294
Transaction Type	Transfer
Record Updated	Dec 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 3RD AVE W, SPENCER, IA 51301-3639

Mortgage

Document Number	02020/1295
Date	May 19, 2020
Book Page	2020/1295
Instrument	2020 1295

Lender

Name	BANK MIDWEST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Spencer City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,268.00 (-4.05%)	$213,370 (+0.27%) Land $23,450 Building $189,920	$213,370 (+0.27%) Land $23,450 Building $189,920
2024	$3,406.00 (+43.96%)
2023		$212,790 (+48.55%) Land $18,090 Building $194,700	$212,790 (+48.55%) Land $18,090 Building $194,700
2022	$2,366.00 Homeowner's exemption	$143,240 Land $18,090 Building $125,150
2021			$143,240 Land $18,090 Building $125,150

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land 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	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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