1608 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1608 3rd Ave E, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1952
Square Footage	1,662 sqft Living Area
Lot Size	18,000 sqft (0.413 acres)
Occupancy	Owner Occupied
Last Sale	$175,000 (2019)
Tax Bill	$3,904.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`963607201008`
Alternative APN	`64096360720100800`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Total Rooms	9 Rooms
Building Area	1,662 sqft Living Area
1st Floor	1,011 sqft 1st Floor
Basement Area	1,011 sqft Basement
Finished Basement	425 sqft Finished
Stories	1 Stories
Sunroom	Sunroom
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1952
Architectural Style	Ranch Style
Exterior Material	Wood Siding Exterior
Construction Type	Wood Construction
Foundation Type	Block Foundation
Roof Construction	Hip Roof Construction
Roof Material	Shingle Roof
Lot Area	18,000 sqft (0.413 acres)
Depth X Width	150 ft x 120 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	624 sqft Garage
Patio Area	240 sqft Patio
Porch	Enclosed Porch
Porch Area	407 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air Heating
Water Source	Commercial Water Source

Location & Zoning

Old Parcel Number	64096360720100800
Street Address	1608 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4453
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	8-9 1 TRIPP
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	TRIPP'S ADDITION
Jurisdiction	CLAY IA
Minor Civil Division	SPENCER
Census Blockgroup	3
Census Block	3004
Census Tract	80200

Owner

Source: Clay County records · APN 963607201008

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
Co-owner	Verified Secondary Owner
Mailing Address	1608 3RD AVE E, SPENCER, IA 51301-4453
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Nov 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Aug 30, 2019	Warranty Deed, Transfer · Stand Alone First Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Deed Doc Number	2261
Deed Book / Page	2019 / 2261
Record Refreshed	Jun 08, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1608 3RD AVE E, SPENCER, IA 51301-4453
Transaction Type	Mortgage
Record Updated	Dec 01, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2366
Date	Oct 18, 2023
Book Page	2023/2366
Instrument	2023 2366

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1608 3RD AVE E, SPENCER, IA 51301-4453
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/3405
Date	Nov 03, 2020
Book Page	2020/3405
Instrument	2020 3405

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 30, 2019
Property Address	1608 3RD AVE E, SPENCER, IA 51301-4453
Document Number	2019/2261
Book / Page	2019 / 2261
Instrument Date	Aug 28, 2019
Instrument	2261
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 3RD AVE E, SPENCER, IA 51301-4453
Investor	Possibly a Property Investor

Mortgage

Document Number	02019/2262
Date	Aug 30, 2019
Book Page	2019/2262
Instrument	2262

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

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		$279,840 (+10.12%) Land $36,720 Building $243,120	$279,840 (+10.12%) Land $36,720 Building $243,120
2024	$3,904.00 (+7.79%)
2023		$254,130 (+18.48%) Land $25,700 Building $228,430	$254,130 (+18.48%) Land $25,700 Building $228,430
2022	$3,622.00 Homeowner's exemption	$214,500 Land $25,700 Building $188,800
2021			$214,500 Land $25,700 Building $188,800

1608 3rd Ave E, Spencer, IA 51301 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Nearby Properties on 3rd Ave E

Nearby Streets

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