1324 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1324 3rd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1920
Lot Size	0.138 acres (6,020 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Mar 2005)
Tax Bill	$736 (2025)
Deeds & Mortgages	Aug 2017 Transfer Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607251001`

Property Details

APN / Parcel Number

Primary APN	`963607251001`
Alternative APN	`64096360725100100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	384 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,020 sqft (0.138 acres)
Lot Dimensions	86 ft deep x 70 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	1324 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 6-7 2 FAIRVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3027
Census Tract	80200

Owner

Source: Clay County records, as of December 2, 2025

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	1324 3RD AVE E, SPENCER, IA 51301-4432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2017	Affidavit of Death of Joint Tenant, Transfer
Aug 29, 2017	Deed, Transfer FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2005 · Amount on Record
Deed Sale	Mar 7, 2005 · Amount on Record
Deed Document Number	2005793
Deed Book / Page	2005 / 793
Last Transfer Date	Jul 28, 2017
Transfer Doc	2017/2305
Record Updated	Jun 8, 2026

August 2017: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLAY IA
Recording Date	Aug 29, 2017
Property Address	1324 3RD AVE E, SPENCER, IA 51301-4432
Document Number	2017/2302
Book / Page	2017 / 2302
Instrument Date	Aug 17, 2017
Instrument	2017 2302
Transaction Type	Transfer
Record Updated	Jun 28, 2021

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

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Aug 29, 2017
Property Address	1324 3RD AVE E, SPENCER, IA 51301-4432
Document Number	2017/2303
Book / Page	2017 / 2303
Instrument Date	Jul 28, 2017
Instrument	2017 2303
Transaction Type	Transfer
Record Updated	Jun 28, 2021

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	1324 3RD AVE E, SPENCER, IA 51301-4432

Mortgage

Document Number	2017/2305
Date	Aug 29, 2017
Book Page	2017/2305
Instrument	2017 2305

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Amount	Amount Recorded

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	$736.00	$53,730 (+16.73%) Land $22,400 Building $31,330	$53,730 (+16.73%) Land $22,400 Building $31,330
2024	$736.00 (+0.82%)
2023		$46,030 (+11.18%) Land $15,680 Building $30,350	$46,030 (+11.18%) Land $15,680 Building $30,350
2022	$730.00	$41,400 Land $15,680 Building $25,720
2021			$41,400 Land $15,680 Building $25,720

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 451 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: Nextlink, Verizon.

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