3550 260th Ave, Spencer, IA 51301 Property Records

Clay County property record for 3550 260th Ave, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,516 sqft · built 1920
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$242,000 (Jan 2026)
Tax Bill	$2,296 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963614300002`

Property Details

APN / Parcel Number

Primary APN	`963614300002`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,516 sqft Living Area
1st Floor Area	616 sqft
Basement Area	900 sqft
Finished Basement	375 sqft
Unfinished Basement	900 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Lot Area	87,120 sqft (2 acres)
Lot Dimensions	175 ft deep x 497 ft wide
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3550 260TH AVE
City	SPENCER
State	IA
Zip	51301-7586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 AGRICU
Legal Description	TR 497.8' X 175' IN NW SW
Legal Range	36W
Legal Township	96N
Legal Section	14
Legal Tract	497
Jurisdiction	CLAY IA
Township / Civil Division	SIOUX
Census Block Group	3
Census Block	3164
Census Tract	80100

Owner

3550 260th Ave is owned and occupied by two individuals who bought it in January 2026.

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	3550 260TH AVE, SPENCER, IA 51301-7586
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Deed of Trust, Mortgage · FHA Mortgage FLANAGAN STATE BANK
Oct 16, 2023	Warranty Deed, Transfer
Jun 10, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2026 · Amount on File
Deed Sale	Jan 13, 2026 · Amount on File
Prior Sale	Oct 16, 2023 · Amount on File
Deed Document Number	2026135
Deed Book / Page	2026 / 135
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3550 260TH AVE, SPENCER, IA 51301-7586
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1006 CARR ST, RUTHVEN, IA 51358-8560

Mortgage

Document Number	002026/136
Date	Jan 13, 2026
Book Page	2026/136
Instrument	2026 136

Lender

Name	FLANAGAN STATE BANK
Type	Bank
Address	FLANAGAN, IL 61740

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 16, 2023
Property Address	3550 260TH AVE, SPENCER, IA 51301-7586
Document Number	02023/2340
Book / Page	2023 / 2340
Instrument Date	Oct 4, 2023
Instrument	2023 2340
Transaction Type	Transfer
Record Updated	Dec 1, 2023

Transaction

Amount	Amount on Record
Tax	$367.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3550 260TH AVE, SPENCER, IA 51301-7586

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 10, 2021
Property Address	3550 260TH AVE, SPENCER, IA 51301-7586
Document Number	02021/1806
Book / Page	2021 / 1806
Instrument Date	Jun 1, 2021
Instrument	2021 1806
Transaction Type	Transfer
Record Updated	Dec 1, 2023

Transaction

Amount	Amount on Record
Tax	$295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3550 260TH AVE, SPENCER, IA 51301-7586

Tax Assessment & Valuation

The 2025 property tax bill for 3550 260th Ave was $2,296, up 0.1% 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	$2,296.00 (+0.09%)	$210,530 Land $54,760 Building $155,770	$210,530 Land $54,760 Building $155,770
2024	$2,294.00
2023		$201,330 (+15.12%) Land $53,690 Building $147,640	$201,330 Land $53,690 Building $147,640
2022	$2,098.00	$174,880 Land $41,520 Building $133,360
2021			$174,880 Land $41,520 Building $133,360

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

Flood

FEMA maps place 3550 260th Ave in Zone X, an area of minimal flood risk, within 100 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 100 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 3550 260th Ave is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 73% of Iowa
Wildfire Likelihood	0.05% 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 7 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
T-Mobile Fixed Wireless	100 / 20

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