Clay County property record for 1605 3rd Ave E, Spencer, IA 51301 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1949 |
| Square Footage | 1,130 sqft Living Area |
| Lot Size | 6,900 sqft (0.158 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $187,500 (2024) |
| Tax Bill | $1,718.00 (2024) |
Source: Clay County records · APN 963607133028
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 | Individual Name on File |
|---|---|
| Mailing Address | 1605 3RD AVE E, SPENCER, IA 51301-4454 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 21, 2024 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Oct 06, 2021 | Warranty Deed, Transfer · Commercial Mortgage NORTHWEST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 21, 2024 · Amount on Record |
| Deed Sale | Nov 21, 2024 · Amount on Record |
| Prior Sale | Oct 06, 2021 · Amount on Record |
| Deed Doc Number | 2024 2642 |
| Deed Book / Page | 2024 / 2642 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 21, 2024 |
| Property Address | 1605 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 02024/2642 |
| Book / Page | 2024 / 2642 |
| Instrument Date | Nov 18, 2024 |
| Instrument | 2024 2642 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $299.20 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1605 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 02024/2643 |
|---|---|
| Date | Nov 21, 2024 |
| Book Page | 2024/2643 |
| Instrument | 2024 2643 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Oct 06, 2021 |
| Property Address | 1605 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 02021/3116 |
| Book / Page | 2021 / 3116 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 2021 3116 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80.80 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 805 5TH ST SW, SPENCER, IA 51301-6235 |
| Document Number | 02021/3117 |
|---|---|
| Date | Oct 06, 2021 |
| Book Page | 2021/3117 |
| Instrument | 2021 3117 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $180,220 (+234.73%) Land $20,000 Building $160,220 | $180,220 (+234.73%) Land $20,000 Building $160,220 | |
| 2024 | $1,718.00 (+22.19%) | ||
| 2023 | $53,840 (-32.58%) Land $14,000 Building $39,840 | $53,840 (-32.58%) Land $14,000 Building $39,840 | |
| 2022 | $1,406.00 Homeowner's exemption | $79,860 Land $14,000 Building $65,860 | |
| 2021 | $79,860 Land $14,000 Building $65,860 |
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 |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | 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.
| Primary APN | 963607133028 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,130 sqft Living Area |
| 1st Floor | 672 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1949 |
|---|---|
| Architectural Style | Ranch Style |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Block Foundation |
| Roof Construction | Gable Roof Construction |
| Lot Area | 6,900 sqft (0.158 acres) |
| Depth X Width | 138 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 363 sqft Garage |
| Patio Area | 168 sqft Patio |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Water Source | Commercial Water Source |
| Street Address | 1605 3RD AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4454 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | E 1/2 N 1/2 EXC W 12' 6 G&A 2ND ADD |
| Legal Subdivision | G & A 2ND ADDITION |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 3 |
| Census Block | 3005 |
| Census Tract | 80200 |
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