3485 260th Ave, Spencer, IA 51301 Property Records

Clay County property record for 3485 260th Ave, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,228 sqft · built 1960
Lot Size	5.71 acres (248,728 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (May 2019)
Tax Bill	$4,042 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963610400007`

Property Details

APN / Parcel Number

Primary APN	`963610400007`
Alternative APN	`17096361040000700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
Basement Area	1,228 sqft
Finished Basement	1,150 sqft
Unfinished Basement	1,228 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	248,728 sqft (5.71 acres)
Garage Type	Mixed
Garage Area	1,296 sqft
Parking Spaces	5 Parking Spaces
Deck Area	180 sqft
Patio Area	270 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3485 260TH AVE
City	SPENCER
State	IA
Zip	51301-7585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 AGRICU
Legal Description	5.71 AC TR SE SE
Legal Range	36W
Legal Township	96N
Legal Section	10
Jurisdiction	CLAY IA
Township / Civil Division	SIOUX
Census Block Group	3
Census Block	3149
Census Tract	80100

Owner

3485 260th Ave is owned and occupied by two individuals who bought it in May 2019.

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	3485 260TH AVE, SPENCER, IA 51301-7585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
May 13, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2019 · Amount on File
Deed Sale	May 13, 2019 · Amount on File
Deed Document Number	20191170
Deed Book / Page	2019 / 1170
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3485 260TH AVE, SPENCER, IA 51301-7585
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/2944
Date	Sep 24, 2020
Book Page	2020/2944
Instrument	2020 2944

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3485 260TH AVE, SPENCER, IA 51301-7585
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/998
Date	Apr 22, 2020
Book Page	2020/998
Instrument	2020 998

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 13, 2019
Property Address	3485 260TH AVE, SPENCER, IA 51301-7585
Document Number	2019/1170
Book / Page	2019 / 1170
Instrument Date	Apr 25, 2019
Instrument	1170
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3485 260TH AVE, SPENCER, IA 51301-7585

Mortgage

Document Number	02019/1171
Date	May 13, 2019
Book Page	2019/1171
Instrument	1171

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3485 260th Ave was $4,042, up 1.3% 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	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,042.00 (+1.3%)	$370,440 Land $70,940 Building $299,500	$370,440 Land $70,940 Building $299,500
2024	$3,990.00
2023		$350,270 (+11.49%) Land $69,550 Building $280,720	$350,270 Land $69,550 Building $280,720
2022	$3,970.00	$314,180 Land $64,300 Building $249,880
2021			$314,180 Land $64,300 Building $249,880

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

Flood

FEMA maps place 3485 260th Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 3485 260th Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · above 40% of Iowa
Wildfire Likelihood	0.03% 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 3 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	500 / 100
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	100 / 20

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