Clay County property record for 1418 3rd Ave E, Spencer, IA 51301 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1954 |
| Square Footage | 988 sqft Living Area |
| Lot Size | 9,000 sqft (0.206 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $104,000 (2019) |
| Tax Bill | $2,030.00 (2024) |
Source: Clay County records · APN 963607206005
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 |
|---|---|
| Mailing Address | 1418 3RD AVE E, SPENCER, IA 51301-4449 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 07, 2025 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Dec 12, 2019 | Warranty Deed, Transfer · Stand Alone First Mortgage NORTHWEST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 12, 2019 · Amount on Record |
| Deed Sale | Dec 12, 2019 · Amount on Record |
| Deed Doc Number | 3314 |
| Deed Book / Page | 2019 / 3314 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1418 3RD AVE E, SPENCER, IA 51301-4449 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02025/2623 |
|---|---|
| Date | Nov 07, 2025 |
| Book Page | 2025/2623 |
| Instrument | 2025 2623 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 15, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Dec 12, 2019 |
| Property Address | 1418 3RD AVE E, SPENCER, IA 51301-4449 |
| Document Number | 2019/3314 |
| Book / Page | 2019 / 3314 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 3314 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1418 3RD AVE E, SPENCER, IA 51301-4449 |
| Document Number | 02019/3315 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 2019/3315 |
| Instrument | 3315 |
| Name | NORTHWEST BANK |
|---|
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| 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 | $141,140 (+11.31%) Land $24,480 Building $116,660 | $141,140 (+11.31%) Land $24,480 Building $116,660 | |
| 2024 | $2,030.00 (+7.07%) | ||
| 2023 | $126,800 (+17.76%) Land $17,140 Building $109,660 | $126,800 (+17.76%) Land $17,140 Building $109,660 | |
| 2022 | $1,896.00 | $107,680 Land $17,140 Building $90,540 | |
| 2021 | $107,680 Land $17,140 Building $90,540 |
Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 2% of the US · above 17% of Iowa |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 963607206005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 988 sqft Living Area |
| Basement Area | 988 sqft Basement |
| Finished Basement | 225 sqft Finished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1954 |
|---|---|
| Architectural Style | Ranch Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Wood Construction |
| Foundation Type | Block Foundation |
| Roof Construction | Hip Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 9,000 sqft (0.206 acres) |
| Depth X Width | 150 ft x 60 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 528 sqft Garage |
| Shed | 1 Shed |
| Porch | Enclosed Porch |
| Porch Area | 224 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Water Source | Commercial Water Source |
| Old Parcel Number | 64096360720600500 |
|---|---|
| Street Address | 1418 3RD AVE E |
| City | SPENCER |
| State | IA |
| Zip | 51301-4449 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 5 4 TRIPP |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | TRIPP'S ADDITION |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 3 |
| Census Block | 3016 |
| Census Tract | 80200 |
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