3130 280th Ave, Spencer, IA 51301 Property Records

Clay County property record for 3130 280th Ave, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1951
Lot Size	16.7 acres (727,452 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,998 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`973530100013`

Property Details

APN / Parcel Number

Primary APN	`973530100013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	832 sqft Living Area
Basement Area	832 sqft
Finished Basement	400 sqft
Unfinished Basement	832 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	727,452 sqft (16.7 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3130 280TH AVE
City	SPENCER
State	IA
Zip	51301-7594
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 AGRICU
Legal Description	.30 AC TR PT NW NW & 16.398 TR PT SW NW BEING PARCEL D
Legal Range	35W
Legal Township	97N
Legal Section	30
Jurisdiction	CLAY IA
Township / Civil Division	LAKE
Census Block Group	3
Census Block	3097
Census Tract	80100

Owner

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	3130 280TH AVE, SPENCER, IA 51301-7594
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Oct 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3130 280TH AVE, SPENCER, IA 51301-7594
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/2318
Date	Sep 30, 2025
Book Page	2025/2318
Instrument	2025 2318

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 30, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3130 280TH AVE, SPENCER, IA 51301-7594
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2358
Date	Oct 17, 2023
Book Page	2023/2358
Instrument	2023 2358

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

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	$1,998.00 (+1.73%) Homeowner's exemption	$183,460 (+5.67%) Land $102,330 Building $81,130	$183,460 (+5.67%) Land $102,330 Building $81,130
2024	$1,964.00 (-16.92%)
2023		$173,610 (-4.38%) Land $100,320 Building $73,290	$173,610 (-4.38%) Land $100,320 Building $73,290
2022	$2,364.00 Homeowner's exemption	$181,560 Land $122,790 Building $58,770
2021			$181,560 Land $122,790 Building $58,770

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

Flood

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

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.

Internet Providers

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
GigFire Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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