2365 340th St, Spencer, IA 51301 Property Records

Clay County property record for 2365 340th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,587 sqft · built 1920
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Feb 2014)
Tax Bill	$3,300 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963608200003`

Property Details

APN / Parcel Number

Primary APN	`963608200003`
Alternative APN	`17096360820000300`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,587 sqft Living Area
1st Floor Area	624 sqft
Basement Area	880 sqft
Unfinished Basement	624 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	187,308 sqft (4.3 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	154 sqft
Deck Area	252 sqft
Patio Area	252 sqft
Granary	Granary
Lean-To	Lean-To
Utility Building	1,443 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2365 340TH ST
City	SPENCER
State	IA
Zip	51301-7450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 COUNTY
Legal Description	TR NW NE
Legal Range	36W
Legal Township	96N
Legal Section	08
Legal Subdivision	DEERFIELD PARK 4TH ADD
Jurisdiction	CLAY IA
Township / Civil Division	SIOUX
Census Block Group	1
Census Block	1013
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2365 340TH ST, SPENCER, IA 51301-7450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Oct 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
May 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Jul 2, 2018	Deed of Trust, Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2014 · Amount on Record
Deed Sale	Feb 4, 2014 · Amount on Record
Deed Document Number	2014272
Deed Book / Page	2014 / 272
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2365 340TH ST, SPENCER, IA 51301-7450
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/3065
Date	Oct 6, 2020
Book Page	2020/3065
Instrument	2020 3065

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2365 340TH ST, SPENCER, IA 51301-7450
Transaction Type	Mortgage
Record Updated	Nov 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2878
Date	Oct 29, 2019
Book Page	2019/2878
Instrument	2878

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2365 340TH ST, SPENCER, IA 51301-7450
Transaction Type	Mortgage
Record Updated	Jun 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1343
Date	May 30, 2019
Book Page	2019/1343
Instrument	1343

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2365 340TH ST, SPENCER, IA 51301-7450
Transaction Type	Mortgage
Record Updated	Jul 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001753
Date	Jul 2, 2018
Book Page	0000002018/0000001753
Instrument	000000001753

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,300.00 (-0.06%) Homeowner's exemption	$313,360 (+4.45%) Land $76,700 Building $236,660	$313,360 (+4.45%) Land $76,700 Building $236,660
2024	$3,302.00 (-1.02%)
2023		$300,000 (+9.89%) Land $75,200 Building $224,800	$300,000 (+9.89%) Land $75,200 Building $224,800
2022	$3,336.00 Homeowner's exemption	$272,990 Land $70,120 Building $202,870
2021			$272,990 Land $70,120 Building $202,870

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

Flood

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1993–2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	100 / 20

May also be available: Nextlink.

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