203 E 3rd St, Spencer, IA 51301 Property Records

Clay County property record for 203 E 3rd St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,160 sqft · built 1910
Lot Size	0.131 acres (5,720 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Nov 2018)
Tax Bill	$1,924 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963618130006`

Property Details

APN / Parcel Number

Primary APN	`963618130006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,160 sqft Living Area
1st Floor Area	468 sqft
Basement Area	832 sqft
Unfinished Basement	468 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Victorian
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,720 sqft (0.131 acres)
Lot Dimensions	130 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft
Patio Area	165 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	203 E 3RD ST
City	SPENCER
State	IA
Zip	51301-5110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18 C O.P. S 1/2 OF ALLEY
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	ORIGINAL PLAT
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2023
Census Tract	80200

Owner

203 E 3rd St is owned and occupied by an individual who bought it in November 2018.

Source: Clay County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	203 E 3RD ST, SPENCER, IA 51301-5110
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Nov 5, 2021	Deed of Trust, Mortgage · USDA Mortgage USDA
Nov 26, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2018 · Amount on File
Deed Sale	Nov 26, 2018 · Amount on File
Prior Sale	Feb 12, 2013 · Amount on File
Deed Document Number	20183046
Deed Book / Page	2018 / 3046
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Aug 13, 2026
Property Address	203 E 3RD ST, SPENCER, IA 51301-5110
Document Number	0000002040
Book / Page	2026 / 2040
Instrument Date	Aug 7, 2026
Instrument	20262040
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E 3RD ST, SPENCER, IA 51301-5110

Mortgage

Document Number	0000002040,
Date	Aug 13, 2026
Book Page	2026/2040
Instrument	20262040

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	203 E 3RD ST, SPENCER, IA 51301-5110
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3481
Date	Nov 5, 2021
Book Page	2021/3481
Instrument	2021 3481

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	264 Months
Due	Mar 1, 2043

Interest

Rate Type	Fixed Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 26, 2018
Property Address	203 E 3RD ST, SPENCER, IA 51301-5110
Document Number	2018/3046
Book / Page	2018 / 3046
Instrument Date	Nov 14, 2018
Instrument	000000003046
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E 3RD ST, EVERLY, IA 51338-7714

Tax Assessment & Valuation

The 2025 property tax bill for 203 E 3rd St was $1,924 with a homeowner's exemption, up 3.4% from the year before.

Source: Clay County assessment roll, as of September 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,924.00 (+3.44%) Homeowner's exemption	$145,510 Land $17,250 Building $128,260	$145,510 Land $17,250 Building $128,260
2024	$1,860.00
2023		$134,840 (+20.92%) Land $12,070 Building $122,770	$134,840 Land $12,070 Building $122,770
2022	$1,748.00 Homeowner's exemption	$111,510 Land $12,070 Building $99,440
2021			$111,510 Land $12,070 Building $99,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 203 E 3rd St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 203 E 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 484 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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