Clay County property record for 1208 3rd Ave E, Spencer, IA 51301 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1927 |
| Square Footage | 936 sqft Living Area |
| Lot Size | 6,106 sqft (0.14 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $58,275 (2005) |
| Tax Bill | $829.00 (2024) |
| Primary APN | 963607254009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 936 sqft Living Area |
| Basement Area | 936 sqft Basement |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1927 |
|---|---|
| Exterior Material | Siding Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Block Foundation |
| Roof Construction | Gable Roof Construction |
| Lot Area | 6,106 sqft (0.14 acres) |
| Depth X Width | 86 ft x 71 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 324 sqft Garage |
| Patio Area | 312 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 208 sqft Porch |
| Cooling System | None Cooling |
|---|---|
| Heating System | Gravity Heating |
| Water Source | Commercial Water Source |
| Old Parcel Number | 64096360725400900 |
|---|---|
| Street Address | 1208 3RD AVE E |
| City | SPENCER |
| State | IA |
| Zip | 51301-4430 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | N 1/2 8-9 3 FAIRVIEW |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | FAIRVIEW ADDITION |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 3 |
| Census Block | 3036 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607254009
Assessment roll updated May 1, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 1208 3RD AVE E, SPENCER, IA 51301-4430 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 24, 2010 | Deed of Trust, Mortgage CLAY COUNTY LOCAL HOUSING TRUST FUND INC |
| Jun 06, 2005 | Warranty Deed, Transfer · United States Department of Agriculture (USDA) Mortgage USDA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 06, 2005 · Amount on Record |
| Deed Sale | Jun 06, 2005 · Amount on Record |
| Deed Doc Number | 02005/1880 |
| Deed Book / Page | 2005 / 1880 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1208 3RD AVE E, SPENCER, IA 51301-4430 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02010/2226 |
|---|---|
| Date | Aug 24, 2010 |
| Book Page | 2010/2226 |
| Instrument | 2010 2226 |
| Name | CLAY COUNTY LOCAL HOUSING TRUST FUND INC |
|---|---|
| Type | Non-Lending Institution |
| Address | 00000 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jun 06, 2005 |
| Property Address | 1208 3RD AVE E, SPENCER, IA 51301-4430 |
| Document Number | 02005/1880 |
| Book / Page | 2005 / 1880 |
| Instrument Date | Jun 06, 2005 |
| Instrument | 2005 1880 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $92.80 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1208 3RD AVE E, SPENCER, IA 51301-4430 |
| Document Number | 0020051881 |
|---|---|
| Date | Jun 06, 2005 |
| Instrument | 2005 1881 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | United States Department of Agriculture (USDA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 396 Months |
| Due | Jun 06, 2038 |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified February 2026
| 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 | $91,880 (+11.79%) Land $22,720 Building $69,160 | $91,880 (+11.79%) Land $22,720 Building $69,160 | |
| 2024 | $829.00 (+1.72%) | ||
| 2023 | $82,190 (+14.71%) Land $15,900 Building $66,290 | $82,190 (+14.71%) Land $15,900 Building $66,290 | |
| 2022 | $815.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $71,650 Land $15,900 Building $55,750 | |
| 2021 | $71,650 Land $15,900 Building $55,750 |
1208 3rd Ave E 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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