1325 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1325 3rd Ave E, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	2 Baths
Year Built	Built 1948
Square Footage	1,368 sqft Living Area
Lot Size	6,900 sqft (0.158 acres)
Garage	Mixed, 912 sqft
Occupancy	Owner Occupied
Tax Bill	$1,876.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`963607179005`
Alternative APN	`64096360717900500`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	1,368 sqft Living Area
1st Floor	696 sqft 1st Floor
Basement Area	696 sqft Basement
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1948
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Foundation Type	Block Foundation
Roof Construction	Gable Roof Construction
Lot Area	6,900 sqft (0.158 acres)
Depth X Width	60 ft x 115 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Type	Mixed Garage
Garage Area	912 sqft Garage
Patio Area	56 sqft Patio

Utilities and HVAC

Cooling System	None Cooling
Heating System	Forced Air Heating
Water Source	Commercial Water Source

Location & Zoning

Old Parcel Number	64096360717900500
Street Address	1325 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4433
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	5 KETCHAM'S SUBDIV
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	KETCHAM SUBDIVISION
Jurisdiction	CLAY IA
Minor Civil Division	SPENCER
Census Blockgroup	3
Census Block	3028
Census Tract	80200

Owner

Source: Clay County records · APN 963607179005

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1325 3RD AVE E, SPENCER, IA 51301-4433
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	May 22, 2009
Transfer Doc	02009/1803
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

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		$130,870 (+11.66%) Land $22,820 Building $108,050	$130,870 (+11.66%) Land $22,820 Building $108,050
2024	$1,876.00 (+6.71%)
2023		$117,200 (+17.43%) Land $15,970 Building $101,230	$117,200 (+17.43%) Land $15,970 Building $101,230
2022	$1,758.00	$99,800 Land $15,970 Building $83,830
2021			$99,800 Land $15,970 Building $83,830

Flood & Wildfire

1325 3rd Ave E is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

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

Wildfire

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.