Clay County property record for 102 E 3rd St, Spencer, IA 51301 · Last verified October 2025
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
|---|---|
| Bathrooms | 9 Baths |
| Year Built | Built 1900 |
| Square Footage | 4,248 sqft Total Area |
| Lot Size | 10,736 sqft (0.246 acres) |
| Last Sale | $90,000 (2023) |
| Tax Bill | $1,709.00 (2024) |
| Primary APN | 963618133001 |
|---|---|
| Alternative APN |
|
| Full Baths | 9 Baths |
|---|---|
| Building Area | 4,248 sqft Total Area |
| 1st Floor | 2,082 sqft 1st Floor |
| Basement Area | 2,082 sqft Basement |
| Finished Basement | 256 sqft Finished |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1900 |
|---|---|
| Exterior Material | Wood Exterior |
| Construction Type | Wood Construction |
| Foundation Type | Block Foundation |
| Roof Construction | Gable Roof Construction |
| Lot Area | 10,736 sqft (0.246 acres) |
| Depth X Width | 122 ft x 88 ft Depth x Width |
| Porch | Enclosed Porch |
| Porch Area | 60 sqft Porch |
| Cooling System | None Cooling |
|---|
| Old Parcel Number | 64096361813300100 |
|---|---|
| Street Address | 102 E 3RD ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-5108 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | 8 EXC E 6" D O.P. ALL 9 D O.P. |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 18 |
| Legal Subdivision | ORIGINAL PLAT |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 2 |
| Census Block | 2026 |
| Census Tract | 80200 |
Source: Clay County records · APN 963618133001
Assessment roll updated May 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3195 180TH AVE, SPENCER, IA 51301-7506 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Dec 19, 2006 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FSB |
| Apr 18, 2023 | Warranty Deed, Transfer · Commercial Mortgage AMERICAN STATE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 18, 2023 · Amount on Record |
| Deed Sale | Apr 18, 2023 · Amount on Record |
| Prior Sale | Oct 11, 2005 · Amount on Record |
| Deed Doc Number | 2023 678 |
| Deed Book / Page | 2023 / 678 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 102 E 3RD ST, SPENCER, IA 51301-5108 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02006/3873 |
|---|---|
| Date | Dec 19, 2006 |
| Book Page | 2006/3873 |
| Instrument | 2006 3873 |
| Name | NORTHWEST FSB |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 10, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Apr 18, 2023 |
| Property Address | 102 E 3RD ST, SPENCER, IA 51301-5108 |
| Document Number | 002023/678 |
| Book / Page | 2023 / 678 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 2023 678 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $143.20 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3195 180TH AVE, SPENCER, IA 51301-7506 |
| Document Number | 0002023679 |
|---|---|
| Date | Apr 18, 2023 |
| Instrument | 2023 679 |
| Name | AMERICAN STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2038 |
| Rate Type | Adjustable Rate |
|---|
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $122,300 (+89.52%) Land $23,650 Building $98,650 | $122,300 (+89.52%) Land $23,650 Building $98,650 | |
| 2024 | $1,709.00 (-8.32%) | ||
| 2023 | $64,530 Land $18,590 Building $45,940 | $64,530 Land $18,590 Building $45,940 | |
| 2022 | $1,864.00 |
102 E 3rd St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Clay County (19041C), updated February 21, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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