Clay County property record for 3405 270th Ave, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1983 |
| Lot Size | 0.71 acres (30,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $197,500 (Dec 2018) |
| Tax Bill | $2,864 (2025) |
| Deeds & Mortgages | Apr 2019 Refinance Aug 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963611200003 |
| Primary APN | 963611200003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Basement Area | 1,332 sqft |
| Finished Basement | 650 sqft |
| Unfinished Basement | 1,332 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 30,928 sqft (0.71 acres) |
| Garage Type | Mixed |
| Garage Area | 1,968 sqft |
| Parking Spaces | 7 Parking Spaces |
| Deck Area | 240 sqft |
|---|---|
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 3405 270TH AVE |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-7591 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 AGRICU |
| Legal Description | TR NE NE |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 11 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SIOUX |
| Census Block Group | 3 |
| Census Block | 3148 |
| Census Tract | 80100 |
3405 270th Ave is owned and occupied by two individuals who bought it in December 2018.
Source: Clay County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3405 270TH AVE, SPENCER, IA 51301-7591 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK |
| Aug 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA |
| Dec 12, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHWEST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2018 · Amount on File |
| Deed Sale | Dec 12, 2018 · Amount on File |
| Deed Document Number | 20183261 |
| Deed Book / Page | 2018 / 3261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 3405 270TH AVE, SPENCER, IA 51301-7591 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2019/935 |
|---|---|
| Date | Apr 19, 2019 |
| Book Page | 2019/935 |
| Instrument | 935 |
| Name | NORTHWEST BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | May 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 3405 270TH AVE, SPENCER, IA 51301-7591 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019/2231 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 2019/2231 |
| Instrument | 2231 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Dec 12, 2018 |
| Property Address | 3405 270TH AVE, SPENCER, IA 51301-7591 |
| Document Number | 2018/3261 |
| Book / Page | 2018 / 3261 |
| Instrument Date | Nov 23, 2018 |
| Instrument | 2018-3261 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3254 E 15TH AVE, COLUMBUS, NE 68601-7218 |
| Document Number | 02018/3262 |
|---|---|
| Date | Dec 12, 2018 |
| Book Page | 2018/3262 |
| Instrument | 3262 |
| Name | NORTHWEST BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 3405 270th Ave was $2,864 with a homeowner's exemption, up 2% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,864.00 (+1.99%) Homeowner's exemption | $273,380 Land $35,090 Building $238,290 | $273,380 Land $35,090 Building $238,290 |
| 2024 | $2,808.00 | ||
| 2023 | $256,660 (+16.03%) Land $34,400 Building $222,260 | $256,660 Land $34,400 Building $222,260 | |
| 2022 | $2,682.00 Homeowner's exemption | $221,210 Land $22,700 Building $198,510 | |
| 2021 | $221,210 Land $22,700 Building $198,510 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3405 270th 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 risk around 3405 270th Ave is low, with less than 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 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: 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 |
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