1112 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1112 3rd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,282 sqft · built 1952
Lot Size	0.138 acres (6,020 sqft)
Owner	2 Individual Names on File
Last Sale	$77,500 (Jun 2003)
Tax Bill	$2,429 (2024)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607257002`

Property Details

APN / Parcel Number

Primary APN	`963607257002`
Alternative APN	`64096360725700200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,282 sqft Living Area
1st Floor Area	884 sqft
Attic Area	398 sqft
Basement Area	884 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Architectural Style	Cape Cod
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	6,020 sqft (0.138 acres)
Lot Dimensions	86 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	356 sqft
Parking Spaces	1 Parking Space
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360725700200
Street Address	1112 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	S 1/2 6-7 8 FAIRVIEW
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	FAIRVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3049
Census Tract	80200

Owner

Source: Clay County assessment roll, as of May 1, 2025

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 File
Mailing Address	1112 3RD AVE E, SPENCER, IA 51301-4428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 20, 2003 · Amount on Record
Deed Sale	Jun 20, 2003 · Amount on Record
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1112 3RD AVE E, SPENCER, IA 51301-4428
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/2445
Date	Aug 13, 2020
Book Page	2020/2445
Instrument	2020 2445

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$155,340 (+11.19%) Land $22,400 Building $132,940	$155,340 (+11.19%) Land $22,400 Building $132,940
2024	$2,429.00 (+5.38%)
2023		$139,710 (+18.48%) Land $15,680 Building $124,030	$139,710 (+18.48%) Land $15,680 Building $124,030
2022	$2,305.00 Homeowner's exemption	$117,920 Land $15,680 Building $102,240
2021			$117,920 Land $15,680 Building $102,240

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

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

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

May also be available: AMG Technology Investment Group, Verizon.

Nearby Properties on 3rd Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures