Clay County property record for 2590 300th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,390 sqft · built 1905 |
| Lot Size | 4.03 acres (175,547 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,514 (2025) |
| Deeds & Mortgages | Feb 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 973615400008 |
| Primary APN | 973615400008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,390 sqft Living Area |
| 1st Floor Area | 648 sqft |
| Basement Area | 648 sqft |
| Unfinished Basement | 648 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 175,547 sqft (4.03 acres) |
| Garage Type | Mixed |
| Garage Area | 1,334 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 154 sqft |
| Deck Area | 769 sqft |
| Patio Area | 769 sqft |
| Poultry House | Poultry House |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2590 300TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-7415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 AGRICU |
| Legal Description | 4.03 AC TR SE SE |
| Legal Range | 36W |
| Legal Township | 97N |
| Legal Section | 15 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | MEADOW |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 80100 |
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 | 2590 300TH ST, SPENCER, IA 51301-7415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2006 |
| Deed Sale | Apr 14, 2006 |
| Deed Document Number | 20061104 |
| Deed Book / Page | 2006 / 1104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 2590 300TH ST, SPENCER, IA 51301-7415 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019/302 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 2019/302 |
| Instrument | 302 |
| Name | NORTHWEST BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2029 |
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Unified School District | Graettinger-Terril Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,514.00 (+2.53%) Homeowner's exemption | $239,640 (+7.22%) Land $55,590 Building $184,050 | $239,640 (+7.22%) Land $55,590 Building $184,050 |
| 2024 | $2,452.00 (+4.97%) | ||
| 2023 | $223,500 (+27.25%) Land $54,500 Building $169,000 | $223,500 (+27.25%) Land $54,500 Building $169,000 | |
| 2022 | $2,336.00 Homeowner's exemption | $175,640 Land $46,650 Building $128,990 | |
| 2021 | $175,640 Land $46,650 Building $128,990 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Premier Communications Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| GigFire Fixed Wireless | 150 / 130 |
5G (outdoors only) and 4G LTE
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