Clay County property record for 1706 3rd Ave E, Spencer, IA 51301 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1953 |
| Square Footage | 1,148 sqft Living Area |
| Lot Size | 9,000 sqft (0.207 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $157,000 (2026) |
| Tax Bill | $2,446.00 (2025) |
| Primary APN | 963607201003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,148 sqft Living Area |
| 1st Floor | 884 sqft 1st Floor |
| 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 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Vinyl Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 9,000 sqft (0.207 acres) |
| Depth X Width | 150 ft x 60 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 416 sqft Garage |
| Patio Area | 180 sqft Patio |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Water Source | Commercial Water Source |
| Street Address | 1706 3RD AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4455 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 3 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 963607201003
Assessment roll updated September 30, 2025 · Last verified June 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 | 1706 3RD AVE E, SPENCER, IA 51301-4455 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 14, 2018 | Deed of Trust, Mortgage · Stand Alone Refinance FARMERS TRUST & SAVINGS BANK |
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK |
| Apr 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST AND SVGS BANK |
| Sep 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Known Transactions |
|
| Deed Doc Number | 20261024 |
| Deed Book / Page | 2026 / 1024 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1706 3RD AVE E, SPENCER, IA 51301-4455 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02018/3285 |
|---|---|
| Date | Dec 14, 2018 |
| Book Page | 2018/3285 |
| Instrument | 3285 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1706 3RD AVE E, SPENCER, IA 51301-4455 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02020/3963 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 2020/3963 |
| Instrument | 2020 3963 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Apr 30, 2026 |
| Property Address | 1706 3RD AVE E, SPENCER, IA 51301-4455 |
| Document Number | 02026/1024 |
| Book / Page | 2026 / 1024 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026.1024 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25,290.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1706 3RD AVE E, SPENCER, IA 51301-4455 |
| Document Number | 0000001025, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 2026..1025 |
| Name | FARMERS TRUST AND SVGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000001030, |
|---|---|
| Date | Apr 30, 2026 |
| Book Page | 2026/1030 |
| Instrument | 2026.1030 |
| Name | FARMERS TRUST AND SVGS BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 10 Months |
| Due | May 25, 2036 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Sep 23, 2021 |
| Property Address | 1706 3RD AVE E, SPENCER, IA 51301-4455 |
| Document Number | 02021/2986 |
| Book / Page | 2021 / 2986 |
| Instrument Date | Sep 19, 2021 |
| Instrument | 2021 2986 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $217.60 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1706 3RD AVE E, SPENCER, IA 51301-4455 |
| Document Number | 0020212987 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 2021 2987 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified June 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 | $2,446.00 | $171,400 (+12.19%) Land $24,480 Building $146,920 | $171,400 (+12.19%) Land $24,480 Building $146,920 |
| 2024 | $2,446.00 (+6.63%) | ||
| 2023 | $152,780 (+17.34%) Land $17,140 Building $135,640 | $152,780 (+17.34%) Land $17,140 Building $135,640 | |
| 2022 | $2,294.00 Homeowner's exemption | $130,200 Land $17,140 Building $113,060 | |
| 2021 | $130,200 Land $17,140 Building $113,060 |
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