Clay County property record for 2650 350th St, Spencer, IA 51301
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3 ba · 3,124 sqft · built 1917 |
| Lot Size | 3.3 acres (143,748 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,632 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963611400006 |
| Primary APN | 963611400006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,124 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Basement Area | 2,228 sqft |
| Unfinished Basement | 896 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1917 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 143,748 sqft (3.3 acres) |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 396 sqft |
| Granary | Granary |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2650 350TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-7458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A-1 AGRICU |
| Legal Description | 3.30 AC TR SW SE BEING PARCEL B |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 11 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SIOUX |
| Census Block Group | 3 |
| Census Block | 3148 |
| Census Tract | 80100 |
2650 350th St, a rural home, is owned and occupied by two individuals who acquired it in August 2009.
Source: Clay County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2650 350TH ST, SPENCER, IA 51301-7458 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 22, 2009 |
| Transfer Doc | 02009/2799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 2650 350TH ST, SPENCER, IA 51301-7458 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02021/1286 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 2021/1286 |
| Instrument | 2021 1286 |
| Name | COMMUNITY STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 2650 350th St was $2,632 with a homeowner's exemption, up 2.4% 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 | $2,632.00 (+2.41%) Homeowner's exemption | $265,410 Land $4,580 Building $260,830 | $265,410 Land $4,580 Building $260,830 |
| 2024 | $2,570.00 | ||
| 2023 | $247,590 (+18.28%) Land $3,380 Building $244,210 | $247,590 Land $3,380 Building $244,210 | |
| 2022 | $2,556.00 Homeowner's exemption Additional exemption filed | $209,320 Land $2,700 Building $206,620 | |
| 2021 | $209,320 Land $2,700 Building $206,620 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2650 350th 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 risk around 2650 350th St is low, with a 0.02% 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 | 0.02% 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 |
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