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1414 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1414 3rd Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,016 sqft · built 1953
Lot Size0.206 acres (9,000 sqft)
OwnerIndividual Name on File
Last Sale$184,000 (May 2018)
Tax Bill$3,364 (2024)
Deeds & MortgagesMay 2018 Mortgage
May 2018 Sale
Flood ZoneZone X (minimal risk)
APN963607206006

Property Details

APN / Parcel Number

Primary APN963607206006
Alternative APN
  • 64096360720600600

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths2 Half Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area2,016 sqft Living Area
1st Floor Area728 sqft
Basement Area904 sqft
Finished Basement300 sqft
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1953
Exterior MaterialFiber Cement Siding
Construction TypeFrame
Foundation TypeBlock
Roof TypeHip
Lot Area9,000 sqft (0.206 acres)
Lot Dimensions150 ft deep x 60 ft wide
Garage TypeMixed
Garage Area1,000 sqft
Parking Spaces4 Parking Spaces
Deck Area98 sqft
Patio Area192 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Water SourceCommercial

Location & Zoning

Old Parcel Number64096360720600600
Street Address1414 3RD AVE E
CitySPENCER
StateIA
Zip51301-4449
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPENCER RESID
Legal Description6 4 TRIPP
Legal Range36
Legal Township17
Legal Section07
Legal SubdivisionTRIPP'S ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3016
Census Tract80200

Owner

Source: Clay County records · APN 963607206006

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1414 3RD AVE E, SPENCER, IA 51301-4449
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 17, 2018Deed of Trust, Mortgage
FARMERS TRUST & SAVINGS BANK
May 17, 2018Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 17, 2018 · Amount on Record
Deed SaleMay 17, 2018 · Amount on Record
Deed Document Number000000001255
Deed Book / Page2018 / 1255
Record UpdatedJun 07, 2026

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address1414 3RD AVE E, SPENCER, IA 51301-4449
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002018/0000001256
DateMay 17, 2018
Book Page0000002018/0000001256
Instrument000000001256
Lender
NameFARMERS TRUST & SAVINGS BANK
TypeBank
Agreement
AmountAmount Recorded
Term356 Months
DueJan 01, 2048

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateMay 17, 2018
Property Address1414 3RD AVE E, SPENCER, IA 51301-4449
Document Number2018/1255
Book / Page2018 / 1255
Instrument DateMay 13, 2018
Instrument000000001255
Transaction TypeTransfer
Record UpdatedOct 11, 2021

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1414 3RD AVE E, SPENCER, IA 51301-4449

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer 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.

YearTax BillAssessed ValueAssessed Market Value
2025$246,430 (+11.85%) Land $24,480 Building $221,950$246,430 (+11.85%) Land $24,480 Building $221,950
2024$3,364.00 (+6.86%)
2023$220,320 (+17.42%) Land $17,140 Building $203,180$220,320 (+17.42%) Land $17,140 Building $203,180
2022$3,148.00 Homeowner's exemption$187,630 Land $17,140 Building $170,490
2021$187,630 Land $17,140 Building $170,490

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 98% of the US · lower than 82% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spencer Municipal Communications Utility
Fiber		1,000 / 1,000
Mediacom Communications
Cable · Fiber in parts of the area		1,000 / 50
AT&T
Fixed Wireless		100 / 20

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

Based on FCC filings for 363 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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