Clay County property record for 3560 260th Ave, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,134 sqft · built 1924 |
| Lot Size | 10.3 acres (448,668 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,286 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 963614300003 |
| Primary APN | 963614300003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,134 sqft Living Area |
| 1st Floor Area | 352 sqft |
| Basement Area | 832 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 832 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 448,668 sqft (10.3 acres) |
| Garage Type | Detached |
| Garage Area | 1,000 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 176 sqft |
| Patio Area | 765 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 3560 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 NW SW |
| 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 |
3560 260th Ave is owned and occupied by two individuals who acquired it in July 2007.
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 | 3560 260TH AVE, SPENCER, IA 51301-7586 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2007 |
| Deed Sale | Jul 19, 2007 |
| Deed Document Number | 20072208 |
| Deed Book / Page | 2007 / 2208 |
| Prior Transfer Date | Jul 9, 2007 |
| Prior Transfer Doc | 02007/2208 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3560 260th Ave was $3,286 with a homeowner's exemption, down 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 | $3,286.00 (-3.01%) Homeowner's exemption | $312,110 Land $91,850 Building $220,260 | $312,110 Land $91,850 Building $220,260 |
| 2024 | $3,388.00 | ||
| 2023 | $307,630 (+6.01%) Land $90,040 Building $217,590 | $307,630 Land $90,040 Building $217,590 | |
| 2022 | $3,554.00 Homeowner's exemption | $290,180 Land $94,350 Building $195,830 | |
| 2021 | $290,180 Land $94,350 Building $195,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3560 260th Ave in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 3560 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.
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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