1515 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1515 3rd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1950
Lot Size	0.309 acres (13,500 sqft)
Owner	Individual Name on Record
Last Sale	$103,000 (Apr 2025)
Tax Bill	$2,054 (2024)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607142013`

Property Details

APN / Parcel Number

Primary APN	`963607142013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	576 sqft
Game Room	Game Room
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	13,500 sqft (0.309 acres)
Lot Dimensions	150 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	180 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Street Address	1515 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 150' OF S 90' OF W 300' 8 G&A 2ND
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	1515 3RD AVE E, SPENCER, IA 51301-4452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Jul 11, 2018	Deed of Trust, Mortgage PRIME LENDING INC
Jul 11, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2025 · Amount on Record
Deed Sale	Apr 30, 2025 · Amount on Record
Prior Sale	May 7, 2024 · Amount on Record
Deed Document Number	2025 973
Deed Book / Page	2025 / 973
Record Updated	Jun 8, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 30, 2025
Property Address	1515 3RD AVE E, SPENCER, IA 51301-4452
Document Number	002025/973
Book / Page	2025 / 973
Instrument Date	Apr 22, 2025
Instrument	2025 973
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 3RD AVE E, SPENCER, IA 51301-4452

Mortgage

Document Number	0002025987
Date	Apr 30, 2025
Instrument	2025 987

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.75%
Max Rate	12.7%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1515 3RD AVE E, SPENCER, IA 51301-4452
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001831
Date	Jul 11, 2018
Book Page	0000002018/0000001831
Instrument	000000001831

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 11, 2018
Property Address	1515 3RD AVE E, SPENCER, IA 51301-4452
Document Number	2018/1830
Book / Page	2018 / 1830
Instrument Date	Jul 2, 2018
Instrument	000000001830
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1515 3RD AVE E, SPENCER, IA 51301-4452

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		$136,950 (+6.7%) Land $36,720 Building $100,230	$136,950 (+6.7%) Land $36,720 Building $100,230
2024	$2,054.00 (+12.98%)
2023		$128,350 (+14.56%) Land $25,700 Building $102,650	$128,350 (+14.56%) Land $25,700 Building $102,650
2022	$1,818.00 Homeowner's exemption	$112,040 Land $25,700 Building $86,340
2021			$112,040 Land $25,700 Building $86,340

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

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 326 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

Nearby Properties on 3rd Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures