Clay County property record for 2545 350th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,736 sqft · built 1964 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $212,000 (Jan 2021) |
| Tax Bill | $2,600 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Jan 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 963615100005 |
| Primary APN | 963615100005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,736 sqft Living Area |
| 1st Floor Area | 1,412 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Type | Mixed |
| Garage Area | 1,968 sqft |
| Parking Spaces | 7 Parking Spaces |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 2545 350TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-7457 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 AGRICU |
| Legal Description | TR NE NW |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 15 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SIOUX |
| Census Block Group | 3 |
| Census Block | 3158 |
| Census Tract | 80100 |
2545 350th St is owned and occupied by an individual who bought it in January 2021.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2545 350TH ST, SPENCER, IA 51301-7457 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2022 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Jan 13, 2021 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO |
| Mar 1, 2018 | Warranty Deed, Transfer · FHA Mortgage NORTHWEST BANK |
| Sep 15, 2017 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2021 · Amount on File |
| Deed Sale | Jan 13, 2021 · Amount on File |
| Prior Sale | Mar 1, 2018 · Amount on File |
| Deed Document Number | 202196 |
| Deed Book / Page | 2021 / 96 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 2545 350TH ST, SPENCER, IA 51301-7457 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02022/2444 |
|---|---|
| Date | Sep 15, 2022 |
| Book Page | 2022/2444 |
| Instrument | 2022 2444 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jan 13, 2021 |
| Property Address | 2545 350TH ST, SPENCER, IA 51301-7457 |
| Document Number | 0002021/96 |
| Book / Page | 2021 / 96 |
| Instrument Date | Jan 8, 2021 |
| Instrument | 2021 0096 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $338.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2545 350TH ST, SPENCER, IA 51301-7457 |
| Document Number | 0002021/97 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 2021/97 |
| Instrument | 2021 0097 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Mar 1, 2018 |
| Property Address | 2545 350TH ST, SPENCER, IA 51301-7457 |
| Document Number | 002018/475 |
| Book / Page | 2018 / 475 |
| Instrument Date | Feb 20, 2018 |
| Instrument | 000000000475 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2545 350TH ST, SPENCER, IA 51301-7457 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002018/0000000476 |
|---|---|
| Date | Mar 1, 2018 |
| Book Page | 0000002018/0000000476 |
| Instrument | 000000000476 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Sep 15, 2017 |
| Property Address | 2545 350TH ST, SPENCER, IA 51301-7457 |
| Document Number | 02017/2463 |
| Book / Page | 2017 / 2463 |
| Instrument Date | Sep 14, 2017 |
| Instrument | 2017 2463 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2545 350TH ST, SPENCER, IA 51301-7457 |
| Document Number | 02017/2464 |
|---|---|
| Date | Sep 15, 2017 |
| Book Page | 2017/2464 |
| Instrument | 2017 2464 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 2545 350th St was $2,600, down 16.7% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,600.00 (-16.67%) | $238,410 Land $59,840 Building $178,570 | $238,410 Land $59,840 Building $178,570 |
| 2024 | $3,120.00 | ||
| 2023 | $273,800 (+14.67%) Land $58,670 Building $215,130 | $273,800 Land $58,670 Building $215,130 | |
| 2022 | $3,016.00 | $238,780 Land $50,120 Building $188,660 | |
| 2021 | $238,780 Land $50,120 Building $188,660 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2545 350th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| 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 risk around 2545 350th St is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 79% of Iowa |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Premier Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 100 / 20 |
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