1511 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1511 3rd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,444 sqft · built 1959
Lot Size	0.309 acres (13,500 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Dec 2017)
Tax Bill	$2,982 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607142014`

Property Details

APN / Parcel Number

Primary APN	`963607142014`
Alternative APN	`64096360714201400`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,444 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Finished Basement	675 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Lot Area	13,500 sqft (0.309 acres)
Lot Dimensions	150 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	860 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360714201400
Street Address	1511 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4452
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	E 150' OF W 300' EXC S 10' 9 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 assessment roll, as of May 1, 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	1511 3RD AVE E, SPENCER, IA 51301-4452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Aug 28, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Dec 12, 2017	Warranty Deed, Transfer · ARM NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 12, 2017 · Amount on Record
Deed Sale	Dec 12, 2017 · Amount on Record
Prior Sale	Dec 30, 2014 · Amount on Record
Deed Document Number	2017 3215
Deed Book / Page	2017 / 3215
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1511 3RD AVE E, SPENCER, IA 51301-4452
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1050
Date	Apr 28, 2020
Book Page	2020/1050
Instrument	2020 1050

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1511 3RD AVE E, SPENCER, IA 51301-4452
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002302
Date	Aug 28, 2018
Book Page	0000002018/0000002302
Instrument	000000002302

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 12, 2017
Property Address	1511 3RD AVE E, SPENCER, IA 51301-4452
Document Number	2017/3215
Book / Page	2017 / 3215
Instrument Date	Dec 1, 2017
Instrument	2017 3215
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1511 3RD AVE, SPENCER, IA 51301

Mortgage

Document Number	2017/3216
Date	Dec 12, 2017
Book Page	2017/3216
Instrument	2017 3216

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2018
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

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		$209,280 (+12.37%) Land $36,720 Building $172,560	$209,280 (+12.37%) Land $36,720 Building $172,560
2024	$2,982.00 (+5.67%)
2023		$186,240 (+16.3%) Land $25,700 Building $160,540	$186,240 (+16.3%) Land $25,700 Building $160,540
2022	$2,822.00	$160,140 Land $25,700 Building $134,440
2021			$160,140 Land $25,700 Building $134,440

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	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 326 locations within half a mile, as of December 31, 2025

Provider	Max 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.

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