3160 280th Ave, Spencer, IA 51301 Property Records

Clay County property record for 3160 280th Ave, Spencer, IA 51301

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,931 sqft · built 1917
Lot Size	4.52 acres (196,891 sqft)
Owner	Individual Name on Record
Tax Bill	$1,828 (2025)
Deeds & Mortgages	Dec 2008 Mortgage Nov 2006 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`973530300006`

Property Details

APN / Parcel Number

Primary APN	`973530300006`
Alternative APNs	`01097353030000600` `973530300008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,931 sqft Living Area
1st Floor Area	496 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Cape Cod
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Lot Area	196,891 sqft (4.52 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	380 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	973530300006
Street Address	3160 280TH AVE
City	SPENCER
State	IA
Zip	51301-7594
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	4.24 AC TR PT NW SW BEING PARCEL F
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	Individual Name on Record
Mailing Address	2915 340TH ST, DICKENS, IA 51333-7559
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2008	Deed of Trust, Mortgage · FmHA Mortgage FARM CREDIT SERVICES OF AMERICA FLCA
Nov 29, 2006	Legal Action/Court Order, Foreclosure · Line of Credit FARM CREDIT SERVICES OF AMERICA FLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 5, 2024
Transfer Doc	0000001689
Record Updated	Oct 29, 2026

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3160 280TH AVE, SPENCER, IA 51301-7594
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02008/3546
Date	Dec 8, 2008
Book Page	2008/3546
Instrument	2008 3546

Lender

Name	FARM CREDIT SERVICES OF AMERICA FLCA
Address	OMAHA, NE 68137

Agreement

Type	FmHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2029

November 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Nov 29, 2006
Property Address	3160 280TH AVE, SPENCER, IA 51301-7594
Document Number	02006/3693
Book / Page	2006 / 3693
Instrument Date	Oct 2, 2006
Instrument	2006 3693
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$254.40
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3160 280TH AVE, SPENCER, IA 51301-7594

Mortgage

Document Number	0020063694
Date	Nov 29, 2006
Instrument	2006 3694

Lender

Name	FARM CREDIT SERVICES OF AMERICA FLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	242 Months
Due	Jan 1, 2027

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	$1,828.00 (+4.46%)	$152,710 (-20.39%) Land $6,350 Building $146,360	$152,710 (-20.39%) Land $6,350 Building $146,360
2024	$1,750.00 (-31.43%)
2023		$191,820 Land $53,750 Building $138,070	$191,820 Land $53,750 Building $138,070
2022	$2,552.00

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 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.

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
Nextlink Fixed Wireless	300 / 75
GigFire Fixed Wireless	100 / 20

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