Clay County property record for 1620 3rd Ave E, Spencer, IA 51301 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1954 |
| Square Footage | 884 sqft Living Area |
| Lot Size | 9,000 sqft (0.207 acres) |
| Garage | Attached, 308 sqft |
| Last Sale | $71,283 (2014) |
| Tax Bill | $2,448.00 (2025) |
| Primary APN | 963607201006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 884 sqft Living Area |
| Basement Area | 884 sqft Basement |
| Finished Basement | 375 sqft Finished |
| Unfinished Basement | 884 sqft Unfinished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,000 sqft (0.207 acres) |
| Depth X Width | 150 ft x 60 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 308 sqft Garage |
| Patio Area | 168 sqft Patio |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Water Source | Commercial Water Source |
| Street Address | 1620 3RD AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4453 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 6 1 TRIPP |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | TRIPP'S ADDITION |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607201006
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 | Company Name on File |
|---|---|
| Mailing Address | 1621 18TH AVE W, SPENCER, IA 51301-2736 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 01, 2023 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| May 16, 2023 | Warranty Deed, Transfer · Commercial Mortgage FARMERS TRUST & SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 26, 2014 · Amount on Record |
| Deed Sale | Aug 26, 2014 · Amount on Record |
| Prior Sale | Sep 12, 2007 |
| Deed Doc Number | 20142177 |
| Deed Book / Page | 2014 / 2177 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1620 3RD AVE E, SPENCER, IA 51301-4453 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002023/777 |
|---|---|
| Date | May 01, 2023 |
| Book Page | 2023/777 |
| Instrument | 2023 777 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 01, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | May 16, 2023 |
| Property Address | 1620 3RD AVE E, SPENCER, IA 51301-4453 |
| Document Number | 002023/908 |
| Book / Page | 2023 / 908 |
| Instrument Date | May 15, 2023 |
| Instrument | 2023 908 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1621 18TH AVE W, SPENCER, IA 51301-2736 |
| Document Number | 002023/909 |
|---|---|
| Date | May 16, 2023 |
| Book Page | 2023/909 |
| Instrument | 2023 909 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,448.00 | $170,320 (+11.36%) Land $24,480 Building $145,840 | $170,320 (+11.36%) Land $24,480 Building $145,840 |
| 2024 | $2,448.00 (+15.58%) | ||
| 2023 | $152,950 (+18.49%) Land $17,140 Building $135,810 | $152,950 (+18.49%) Land $17,140 Building $135,810 | |
| 2022 | $2,118.00 Homeowner's exemption | $129,080 Land $17,140 Building $111,940 | |
| 2021 | $129,080 Land $17,140 Building $111,940 |
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.
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