Clay County property record for 3545 270th Ave, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,768 sqft · built 1968 |
| Lot Size | 4.64 acres (202,118 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,010 (2025) |
| Deeds & Mortgages | Apr 2017 Line of Credit Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 963614400009 |
| Primary APN | 963614400009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,768 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Basement Area | 1,768 sqft |
| Finished Basement | 625 sqft |
| Unfinished Basement | 1,768 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 202,118 sqft (4.64 acres) |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 312 sqft |
| Deck Area | 312 sqft |
| Patio Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 3545 270TH AVE |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-7592 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 AGRICU |
| Legal Description | 4.64 AC TR PT NE SE |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 14 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SIOUX |
| Census Block Group | 3 |
| Census Block | 3164 |
| Census Tract | 80100 |
3545 270th Ave is owned and occupied by two individuals.
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 | 3545 270TH AVE, SPENCER, IA 51301-7592 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2017 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Apr 13, 2017 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 3545 270TH AVE, SPENCER, IA 51301-7592 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02017/0928 |
|---|---|
| Date | Apr 13, 2017 |
| Book Page | 2017/0928 |
| Instrument | 2017 0928 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 3545 270TH AVE, SPENCER, IA 51301-7592 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/928 |
|---|---|
| Date | Apr 13, 2017 |
| Book Page | 2017/928 |
| Instrument | 0928 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3545 270th Ave was $3,010 with a homeowner's exemption, up 1.3% 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 | $3,010.00 (+1.35%) Homeowner's exemption | $301,350 Land $61,160 Building $240,190 | $301,350 Land $61,160 Building $240,190 |
| 2024 | $2,970.00 | ||
| 2023 | $284,640 (+10.55%) Land $59,960 Building $224,680 | $284,640 Land $59,960 Building $224,680 | |
| 2022 | $3,140.00 Homeowner's exemption | $257,470 Land $54,790 Building $202,680 | |
| 2021 | $257,470 Land $54,790 Building $202,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3545 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 3545 270th Ave is low, with 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 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 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 | 150 / 130 |
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