2977 252nd Ave, Spencer, IA 51301 Property Records

Clay County property record for 2977 252nd Ave, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1900
Lot Size	0.313 acres (13,632 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (May 2023)
Tax Bill	$1,444 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`973615351007`

Property Details

APN / Parcel Number

Primary APN	`973615351007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,476 sqft Living Area
1st Floor Area	720 sqft
Attic	Attic
Attic Area	324 sqft
Basement Area	360 sqft
Unfinished Basement	360 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	13,632 sqft (0.313 acres)
Lot Dimensions	142 ft deep x 96 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	133 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2977 252ND AVE
City	SPENCER
State	IA
Zip	51301-7578
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3 MULTI-
Legal Description	31-32 8 O.P.
Legal Range	36W
Legal Township	97N
Legal Section	15
Legal Subdivision	TOWN OF LANGDON
Jurisdiction	CLAY IA
Township / Civil Division	MEADOW
Census Block Group	3
Census Block	3045
Census Tract	80100

Owner

2977 252nd Ave is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2977 252ND AVE, SPENCER, IA 51301-7578
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
Dec 2, 2021	Warranty Deed, Transfer · Conventional Mortgage TRADITION MORTGAGE LLC
Aug 6, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023 · Amount on File
Deed Sale	May 31, 2023 · Amount on File
Prior Sale	Dec 2, 2021 · Amount on File
Deed Document Number	20231041
Deed Book / Page	2023 / 1041
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 2, 2021
Property Address	2977 252ND AVE, SPENCER, IA 51301-7578
Document Number	02021/3751
Book / Page	2021 / 3751
Instrument Date	Nov 18, 2021
Instrument	2021 3751
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2977 252ND AVE, SPENCER, IA 51301-7578

Mortgage

Document Number	02021/3752
Date	Dec 2, 2021
Book Page	2021/3752
Instrument	2021 3752

Lender

Name	TRADITION MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 6, 2019
Property Address	2977 252ND AVE, SPENCER, IA 51301-7578
Document Number	02019/2037
Book / Page	2019 / 2037
Instrument Date	Jul 18, 2019
Instrument	2037
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2977 252ND AVE, SPENCER, IA 51301-7578

Tax Assessment & Valuation

The 2025 property tax bill for 2977 252nd Ave was $1,444, up 2.4% 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	$1,444.00 (+2.41%)	$123,040 Land $5,760 Building $117,280	$123,040 Land $5,760 Building $117,280
2024	$1,410.00
2023		$114,700 (+29.43%) Land $5,760 Building $108,940	$114,700 Land $5,760 Building $108,940
2022	$1,242.00	$88,620 Land $5,760 Building $82,860
2021			$88,620 Land $5,760 Building $82,860

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

Flood

FEMA maps place 2977 252nd Ave 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 2977 252nd Ave 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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