1417 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1417 3rd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1957
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Dec 2022)
Tax Bill	$2,066 (2024)
Deeds & Mortgages	Apr 2025 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607142018`

Property Details

APN / Parcel Number

Primary APN	`963607142018`
Alternative APN	`64096360714201800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Finished Basement	450 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	944 sqft
Parking Spaces	4 Parking Spaces
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Old Parcel Number	64096360714201800
Street Address	1417 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	N 50' OF E 150' OF W 300' OF 12 G&A 2ND
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	G & A 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3015
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 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	1417 3RD AVE E, SPENCER, IA 51301-4450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 27, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO
Dec 27, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2022 · Amount on Record
Deed Sale	Dec 27, 2022 · Amount on Record
Prior Sale	Dec 27, 2022 · Amount on Record
Deed Document Number	2022 3283
Deed Book / Page	2022 / 3283
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1417 3RD AVE E, SPENCER, IA 51301-4450
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1417 3RD AVE E, SPENCER, IA 51301-4450

Mortgage

Document Number	002025/919
Date	Apr 23, 2025
Book Page	2025/919
Instrument	2025 919

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jan 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 27, 2022
Property Address	1417 3RD AVE E, SPENCER, IA 51301-4450
Document Number	02022/3283
Book / Page	2022 / 3283
Instrument Date	Dec 12, 2022
Instrument	2022 3283
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1417 3RD AVE E, SPENCER, IA 51301-4450

Mortgage

Document Number	0020223285
Date	Dec 27, 2022
Instrument	2022 3285

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate

December 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLAY IA
Recording Date	Dec 27, 2022
Property Address	1417 3RD AVE E, SPENCER, IA 51301-4450
Document Number	02022/3284
Book / Page	2022 / 3284
Instrument Date	Dec 12, 2022
Instrument	2022 3284
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$153,520 (+10.18%) Land $20,400 Building $133,120	$153,520 (+10.18%) Land $20,400 Building $133,120
2024	$2,066.00 (+7.83%)
2023		$139,340 Land $14,280 Building $125,060	$139,340 Land $14,280 Building $125,060
2022	$1,916.00

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

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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