1601 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1601 3rd Ave E, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 952 sqft · built 1950
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$73,000 (Dec 2001)
Tax Bill	$1,784 (2024)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607133026`

Property Details

APN / Parcel Number

Primary APN	`963607133026`
Alternative APN	`64096360713302600`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	952 sqft Living Area
Basement Area	952 sqft
Finished Basement	800 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	192 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360713302600
Street Address	1601 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 150' OF W 300' OF N 50' 7 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	3005
Census Tract	80200

Owner

Source: Clay County records · APN 963607133026

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	2 Individual Names on File
Mailing Address	1601 3RD AVE E, SPENCER, IA 51301-4454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 18, 2001 · Amount on Record
Deed Sale	Dec 18, 2001 · Amount on Record
Deed Document Number	0020014623
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1601 3RD AVE E, SPENCER, IA 51301-4454
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1981
Date	Jun 24, 2021
Book Page	2021/1981
Instrument	2021 1981

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

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		$151,720 (+11.98%) Land $20,400 Building $131,320	$151,720 (+11.98%) Land $20,400 Building $131,320
2024	$1,784.00 (-1.87%)
2023		$135,490 (+17.31%) Land $14,280 Building $121,210	$135,490 (+17.31%) Land $14,280 Building $121,210
2022	$1,818.00 Homeowner's exemption	$115,500 Land $14,280 Building $101,220
2021			$115,500 Land $14,280 Building $101,220

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

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.