1505 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1505 3rd Ave E, Spencer, IA 51301 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1953
Square Footage	896 sqft Living Area
Lot Size	9,000 sqft (0.207 acres)
Occupancy	Owner Occupied
Last Sale	$115,000 (2020)
Tax Bill	$1,836.00 (2025)

Owner

Source: Clay County records · APN 963607142015

Assessment roll updated September 30, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1505 3RD AVE E, SPENCER, IA 51301-4452
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 Sale	Jul 13, 2020 · Amount on Record
Deed Sale	Jul 13, 2020 · Amount on Record
Prior Sale	May 09, 2016 · Amount on Record
Deed Doc Number	20202028
Deed Book / Page	2020 / 2028
Prior Transfer Date	Sep 14, 2012
Prior Transfer Doc	02012/3222
Record Refreshed	Jun 08, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 13, 2020
Property Address	1505 3RD AVE E, SPENCER, IA 51301-4452
Document Number	02020/2028
Book / Page	2020 / 2028
Instrument Date	Jun 20, 2020
Instrument	2020 2028
Transaction Type	Transfer
Record Updated	Jun 01, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$183.20
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 3RD AVE E, SPENCER, IA 51301-4452

Mortgage

Document Number	02020/2029
Date	Jul 13, 2020
Book Page	2020/2029
Instrument	2020 2029

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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	$1,836.00 Homeowner's exemption	$141,140 (+13.02%) Land $24,480 Building $116,660	$141,140 (+13.02%) Land $24,480 Building $116,660
2024	$1,836.00 (+6%)
2023		$124,880 (+16.53%) Land $17,140 Building $107,740	$124,880 (+16.53%) Land $17,140 Building $107,740
2022	$1,732.00 Homeowner's exemption	$107,170 Land $17,140 Building $90,030
2021			$107,170 Land $17,140 Building $90,030

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Property Details

APN / Parcel Number

Primary APN	`963607142015`
Alternative APN	`64096360714201500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	896 sqft Living Area
1st Floor	720 sqft 1st Floor
Basement Area	720 sqft Basement
Finished Basement	300 sqft Finished
Unfinished Basement	720 sqft Unfinished
Stories	1 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,000 sqft (0.207 acres)
Depth X Width	150 ft x 60 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	308 sqft Garage
Patio Area	255 sqft Patio

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Water Source	Commercial Water Source

Location & Zoning

Street Address	1505 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4452
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S 10' OF E 150' OF W 300' LOT 9 G&A 2ND N 50' OF E 150' OF W 300' LOT 10 G&A 2ND
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	G & A 2ND ADDITION
Legal Lot Number	9,10
Jurisdiction	CLAY IA
Minor Civil Division	SPENCER
Census Blockgroup	3
Census Block	3015
Census Tract	80200