Clay County property record for 1609 3rd Ave E, Spencer, IA 51301 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1951 |
| Square Footage | 856 sqft Living Area |
| Lot Size | 7,500 sqft (0.172 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $152,500 (2021) |
| Tax Bill | $2,100.00 (2025) |
| Primary APN | 963607133023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 856 sqft Living Area |
| Basement Area | 856 sqft Basement |
| Finished Basement | 560 sqft Finished |
| Unfinished Basement | 856 sqft Unfinished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,500 sqft (0.172 acres) |
| Depth X Width | 150 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 288 sqft Garage |
| Porch Area | 168 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Water Source | Commercial Water Source |
| Street Address | 1609 3RD AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4454 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | E 150' OF W 300' OF S 1/2 5 G&A 2ND |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | G & A 2ND ADDITION |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 3 |
| Census Block | 3005 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607133023
Assessment roll updated September 30, 2025 · Last verified April 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 | 1609 3RD AVE E, SPENCER, IA 51301-4454 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Sep 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK |
| Nov 03, 2020 | Intrafamily Transfer, Transfer |
| Apr 22, 2020 | Quit Claim Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Known Transactions |
|
| Deed Doc Number | 20213050 |
| Deed Book / Page | 2021 / 3050 |
| Prior Transfer Date | Nov 02, 2020 |
| Prior Transfer Doc | 2020/3407 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1609 3RD AVE E, SPENCER, IA 51301-4454 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 002020/996 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 2020/996 |
| Instrument | 2020 996 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 192 Months |
| Due | Apr 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Apr 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Sep 30, 2021 |
| Property Address | 1609 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 02021/3050 |
| Book / Page | 2021 / 3050 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 2021 3050 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $243.20 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1609 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 02021/3051 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 2021/3051 |
| Instrument | 2021 3051 |
| Name | COMMUNITY STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 30, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 03, 2020 |
| Property Address | 1609 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 2020/3407 |
| Book / Page | 2020 / 3407 |
| Instrument Date | Nov 02, 2020 |
| Instrument | 2020 3407 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 805 5TH ST SW, 805, SPENCER, IA 51301-6235 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 805 5TH ST SW, SPENCER, IA 51301-6235 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Apr 22, 2020 |
| Property Address | 1609 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 2020/995 |
| Book / Page | 2020 / 995 |
| Map Reference | BK 2019 PG 1094 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 2020 995 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1400 INDEPENDENCE AVE SW, 1400, WASHINGTON, DC 20250-0002 |
| Name | Verified Name |
|---|---|
| Address | 1609 3RD AVE E, SPENCER, IA 51301-4454 |
| Document Number | 2020/996 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 2020/996 |
| Instrument | 2020 996 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 192 Months |
| Due | Apr 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Apr 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 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 | $2,100.00 | $145,850 (+11.19%) Land $20,400 Building $125,450 | $145,850 (+11.19%) Land $20,400 Building $125,450 |
| 2024 | $2,100.00 (+7.8%) | ||
| 2023 | $131,170 (+18.57%) Land $14,280 Building $116,890 | $131,170 (+18.57%) Land $14,280 Building $116,890 | |
| 2022 | $1,948.00 | $110,630 Land $14,280 Building $96,350 | |
| 2021 | $110,630 Land $14,280 Building $96,350 |
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