2760 230th Ave, Spencer, IA 51301 Property Records

Clay County property record for 2760 230th Ave, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 1,634 sqft · built 2010
Lot Size	5.21 acres (226,948 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (May 2015)
Tax Bill	$4,964 (2024)
Deeds & Mortgages	May 2022 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`973605300005`

Property Details

APN / Parcel Number

Primary APN	`973605300005`
Alternative APN	`05097360530000500`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,634 sqft Living Area
Basement Area	1,634 sqft
Finished Basement	1,426 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Lot Area	226,948 sqft (5.21 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	168 sqft
Deck Area	80 sqft
Patio Area	306 sqft
Gazebo	166 sqft
Poultry House	Poultry House

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Old Parcel Number	05097360530000500
Street Address	2760 230TH AVE
City	SPENCER
State	IA
Zip	51301-7552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.21 AC TR NW SW
Legal Range	36
Legal Township	97
Legal Section	05
Legal Subdivision	DEERFIELD PARK 4TH ADD
Jurisdiction	CLAY IA
Township / Civil Division	MEADOW
Census Block Group	3
Census Block	3014
Census Tract	80100

Owner

Source: Clay County records · APN 973605300005

Assessment roll updated May 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2760 230TH AVE, SPENCER, IA 51301-7552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK
Feb 03, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK
Oct 08, 2019	Deed of Trust, Mortgage · Balloon Mortgage CENTRAL BANK
Sep 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2015 · Amount on Record
Deed Sale	May 01, 2015 · Amount on Record
Prior Sale	Nov 15, 2006 · Amount on Record
Deed Document Number	01137
Deed Book / Page	2015 / 01137
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2760 230TH AVE, SPENCER, IA 51301-7552
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1336
Date	May 24, 2022
Book Page	2022/1336
Instrument	2022 1336

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 30, 2032

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2760 230TH AVE, SPENCER, IA 51301-7552
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/333
Date	Feb 03, 2021
Book Page	2021/333
Instrument	2021 0333

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 01, 2036

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2760 230TH AVE, SPENCER, IA 51301-7552
Transaction Type	Mortgage
Record Updated	Nov 06, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2690
Date	Oct 08, 2019
Book Page	2019/2690
Instrument	2690

Lender

Name	CENTRAL BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 01, 2029

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2760 230TH AVE, SPENCER, IA 51301-7552
Transaction Type	Mortgage
Record Updated	Oct 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2535
Date	Sep 25, 2019
Book Page	2019/2535
Instrument	2535

Lender

Name	CENTRAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2034

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$545,900 (+17.43%) Land $60,620 Building $485,280	$545,900 (+17.43%) Land $60,620 Building $485,280
2024	$4,964.00 (+29.54%)
2023		$464,880 (+35.66%) Land $59,430 Building $405,450	$464,880 (+35.66%) Land $59,430 Building $405,450
2022	$3,832.00 Homeowner's exemption	$342,680 Land $54,890 Building $287,790
2021			$342,680 Land $54,890 Building $287,790

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190410801003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2018)
Most Recent Claim	Jun 2018, Severe Storms, Tornadoes, Straight-line Winds, And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 3 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Mutual Telephone Company (IA)	Fiber	1,000 / 1,000
AMG Technology Investment Group	Fixed Wireless	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: Milford Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 230th Ave

Nearby Streets

All Spencer, IA Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures