Clay County property record for 3490 270th Ave, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,068 sqft · built 1979 |
| Lot Size | 2.78 acres (121,097 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $60,000 (Jan 2011) |
| Tax Bill | $2,496 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963612300009 |
| Primary APN | 963612300009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,068 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Finished Basement | 450 sqft |
| Unfinished Basement | 1,008 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Cement Board |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Split Foyer |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 121,097 sqft (2.78 acres) |
| Garage Type | Attached |
| Garage Area | 564 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 256 sqft |
| Patio Area | 256 sqft |
| Lean-To | Lean-To |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3490 270TH AVE |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-7543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 AGRICU |
| Legal Description | 2.78 AC TR IN PT SW SW SW BEING PARCEL B |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 12 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SIOUX |
| Census Block Group | 3 |
| Census Block | 3147 |
| Census Tract | 80100 |
3490 270th Ave is owned and occupied by two individuals who bought it in January 2011.
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 | 3490 270TH AVE, SPENCER, IA 51301-7543 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2023 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Mar 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Apr 25, 2018 | Deed of Trust, Mortgage NORTHWEST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2011 · Amount on File |
| Deed Sale | Jan 7, 2011 · Amount on File |
| Deed Document Number | 201162 |
| Deed Book / Page | 2011 / 62 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 3490 270TH AVE, SPENCER, IA 51301-7543 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002023/981 |
|---|---|
| Date | May 23, 2023 |
| Book Page | 2023/981 |
| Instrument | 2023 981 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 15, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 3490 270TH AVE, SPENCER, IA 51301-7543 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002022/562 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 2022/562 |
| Instrument | 2022 562 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 72 Months |
| Due | May 15, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 3490 270TH AVE, SPENCER, IA 51301-7543 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000001017 |
|---|---|
| Date | Apr 25, 2018 |
| Book Page | 0000002018/0000001017 |
| Instrument | 000000001017 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 3490 270th Ave was $2,496 with a homeowner's exemption, up 1.1% 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 | $2,496.00 (+1.05%) Homeowner's exemption | $239,710 Land $56,690 Building $183,020 | $239,710 Land $56,690 Building $183,020 |
| 2024 | $2,470.00 | ||
| 2023 | $227,030 (+26.28%) Land $55,580 Building $171,450 | $227,030 Land $55,580 Building $171,450 | |
| 2022 | $2,272.00 | $179,780 Land $44,160 Building $135,620 | |
| 2021 | $179,780 Land $44,160 Building $135,620 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3490 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 3490 270th Ave is low, with a 0.02% annual chance of 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 62% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% 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 |
| Nextlink Fixed Wireless | 500 / 100 |
| GigFire Fixed Wireless | 100 / 20 |
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