2510 298th St, Spencer, IA 51301 Property Records

Clay County property record for 2510 298th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,344 sqft · built 1977
Lot Size	0.331 acres (14,400 sqft)
Owner	Individual Name on File
Last Sale	$162,000 (Jul 2021)
Tax Bill	$2,700 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`973615301019`

Property Details

APN / Parcel Number

Primary APN	`973615301019`
Alternative APN	`04097361530101900`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Basement Area	1,344 sqft
Finished Basement	1,044 sqft
Unfinished Basement	300 sqft
Game Room	Game Room
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,400 sqft (0.331 acres)
Lot Dimensions	80 ft deep x 180 ft wide
Garage Type	Detached
Garage Area	1,520 sqft
Parking Spaces	6 Parking Spaces
Deck Area	128 sqft
Patio Area	285 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2510 298TH ST
City	SPENCER
State	IA
Zip	51301-7411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3 MULTI-
Legal Description	LOTS 1-2 1ST ADD & E 16' OF S 80' LOT 22 4 O.P. SW SW
Legal Range	36W
Legal Township	97N
Legal Section	15
Legal Subdivision	1ST ADD
Legal Lot Number	1-2,4
Jurisdiction	CLAY IA
Township / Civil Division	MEADOW
Census Block Group	3
Census Block	3022
Census Tract	80100

Owner

2510 298th St is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2510 298TH ST, SPENCER, IA 51301-7411
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
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit UNITED BANK OF IOWA
Jul 20, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK OF IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2021 · Amount on File
Deed Sale	Jul 20, 2021 · Amount on File
Deed Document Number	20212300
Deed Book / Page	2021 / 2300
Prior Transfer Date	Sep 28, 2012
Prior Transfer Doc	02012/2942
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Apr 28, 2026
Property Address	2510 298TH ST, SPENCER, IA 51301-7411
Document Number	0000000995
Book / Page	2026 / 995
Instrument Date	Apr 28, 2026
Instrument	2026995
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2510 298TH ST, SPENCER, IA 51301-7411

Mortgage

Document Number	0000000995,
Date	Apr 28, 2026
Book Page	2026/995
Instrument	2026995

Lender

Name	UNITED BANK OF IOWA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 15, 2041

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 20, 2021
Property Address	2510 298TH ST, SPENCER, IA 51301-7411
Document Number	02021/2300
Book / Page	2021 / 2300
Instrument Date	Jul 14, 2021
Instrument	2021 2300
Transaction Type	Transfer
Record Updated	May 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2510 298TH ST, SPENCER, IA 51301-7411

Mortgage

Document Number	02021/2324
Date	Jul 21, 2021
Book Page	2021/2324
Instrument	2021 2324

Lender

Name	UNITED BANK OF IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2510 298th St was $2,700, up 2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,700.00 (+2.04%)	$230,030 Land $5,750 Building $224,280	$230,030 Land $5,750 Building $224,280
2024	$2,646.00
2023		$215,300 (+30.32%) Land $5,750 Building $209,550	$215,300 Land $5,750 Building $209,550
2022	$2,314.00 Homeowner's exemption	$165,210 Land $5,750 Building $159,460
2021			$165,210 Land $5,750 Building $159,460

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

Flood

FEMA maps place 2510 298th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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 Claims	1 (2018)
Most Recent Claim	Jun 2018 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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

Wildfire risk around 2510 298th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	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 25 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	150 / 130

May also be available: Nextlink, Verizon.

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