Clay County property record for 304 W 3rd St, Spencer, IA 51301
| Property Type | Commercial Vacant Land |
|---|---|
| Lot Size | 0.161 acres (7,040 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $428 (2024) |
| Deeds & Mortgages | Feb 2023 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 963618105006 |
| Primary APN | 963618105006 |
|---|---|
| Alternative APN |
|
| Lot Area | 7,040 sqft (0.161 acres) |
|---|---|
| Lot Dimensions | 80 ft deep x 88 ft wide |
| Old Parcel Number | 64096361810500600 |
|---|---|
| Street Address | 304 W 3RD ST |
| City | SPENCER |
| State | IA |
| Zip | 51301 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Local Zoning Code | SPENCER RESID |
| Legal Description | N 80' 1-2 4 L & H |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 18 |
| Legal Subdivision | LOVEWELL & HUBBARD |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 80301 |
Source: Clay County records, as of September 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 501 NEBRASKA AVE, BRECKENRIDGE, MN 56520-1515 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 24, 2023 |
| Deed Sale | Feb 24, 2023 |
| Deed Document Number | 2023 291 |
| Deed Book / Page | 2023 / 291 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Feb 24, 2023 |
| Property Address | 304 W 3RD ST, SPENCER, IA 51301 |
| Document Number | 002023/291 |
| Book / Page | 2023 / 291 |
| Instrument Date | Feb 3, 2023 |
| Instrument | 2023 291 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 501 NEBRASKA AVE, BRECKENRIDGE, MN 56520-1515 |
Source: Clay County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $33,440 (+25.01%) Land $33,440 | $33,440 (+25.01%) Land $33,440 | |
| 2024 | $428.00 (-9.32%) | ||
| 2023 | $26,750 (-) Land $26,750 | $26,750 (-) Land $26,750 | |
| 2022 | $472.00 | $26,750 Land $26,750 | |
| 2021 | $26,750 Land $26,750 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 484 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spencer Municipal Utilities Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Nextlink.
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