Clay County property record for 1603 3rd Ave E, Spencer, IA 51301 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 728 sqft · built 1951 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Feb 2026) |
| Tax Bill | $1,390 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607133025 |
| Primary APN | 963607133025 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 728 sqft Living Area |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 1603 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 S 1/2 6 G&A 2ND |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | G & A 2ND ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607133025
Assessment roll updated September 30, 2025 · Last verified August 2026
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 |
|---|---|
| Mailing Address | 1603 3RD AVE E, SPENCER, IA 51301-4454 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 13, 2026 · Amount on Record |
| Deed Sale | Feb 13, 2026 · Amount on Record |
| Deed Document Number | 2026360 |
| Deed Book / Page | 2026 / 360 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Feb 13, 2026 |
| Property Address | 1603 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 002026/360 |
| Book / Page | 2026 / 360 |
| Instrument Date | Feb 12, 2026 |
| Instrument | 2026 360 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1603 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 0002026361 |
|---|---|
| Date | Feb 13, 2026 |
| Instrument | 2026 361 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
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 | $1,390.00 | $97,730 (+12.5%) Land $20,400 Building $77,330 | $97,730 (+12.5%) Land $20,400 Building $77,330 |
| 2024 | $1,390.00 (+6.43%) | ||
| 2023 | $86,870 (+17.22%) Land $14,280 Building $72,590 | $86,870 (+17.22%) Land $14,280 Building $72,590 | |
| 2022 | $1,306.00 | $74,110 Land $14,280 Building $59,830 | |
| 2021 | $74,110 Land $14,280 Building $59,830 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 363 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spencer Municipal Communications Utility | Fiber | 1,000 / 1,000 |
| Mediacom Communications | Cable | 1,000 / 50 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: AMG Technology Investment Group, Verizon, LTD Broadband, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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