Clay County property record for 1518 3rd Ave W, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,118 sqft · built 1930 |
| Lot Size | 0.145 acres (6,300 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $922 (2025) |
| Deeds & Mortgages | Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607105002 |
| Primary APN | 963607105002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,118 sqft Living Area |
| 1st Floor Area | 624 sqft |
| Basement Area | 364 sqft |
| Unfinished Basement | 364 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 6,300 sqft (0.145 acres) |
| Garage Type | Mixed |
| Garage Area | 336 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Street Address | 1518 3RD AVE W |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-3416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 5 TUTTLE |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | TUTTLE'S ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 80301 |
1518 3rd Ave W is owned and occupied by an individual.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1518 3RD AVE W, SPENCER, IA 51301-3416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Sep 6, 2017 |
| Property Address | 1518 3RD AVE W, SPENCER, IA 51301-3416 |
| Document Number | 02017/2388 |
| Book / Page | 2017 / 2388 |
| Instrument Date | Aug 29, 2017 |
| Instrument | 2017 2388 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1518 3RD AVE W, SPENCER, IA 51301-3416 |
| Document Number | 02017/2389 |
|---|---|
| Date | Sep 6, 2017 |
| Book Page | 2017/2389 |
| Instrument | 2017 2389 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 1518 3rd Ave W was $922 with a homeowner's exemption, up 2.7% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $922.00 (+2.67%) Homeowner's exemption | $80,080 Land $14,550 Building $65,530 | $80,080 Land $14,550 Building $65,530 |
| 2024 | $898.00 | ||
| 2023 | $74,790 (+15.58%) Land $12,130 Building $62,660 | $74,790 Land $12,130 Building $62,660 | |
| 2022 | $924.00 Homeowner's exemption | $64,710 Land $12,130 Building $52,580 | |
| 2021 | $64,710 Land $12,130 Building $52,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1518 3rd Ave W in Zone X, an area of minimal flood risk.
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 risk around 1518 3rd Ave W is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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.
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