Clay County property record for 3565 260th Ave, Spencer, IA 51301
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,513 sqft · built 1986 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $818 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963615400004 |
| Primary APN | 963615400004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,513 sqft Living Area |
| 1st Floor Area | 1,889 sqft |
| Basement Area | 944 sqft |
| Finished Basement | 680 sqft |
| Unfinished Basement | 944 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Shingles |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Attached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3565 260TH AVE |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-7586 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A-1 AGRICU |
| Legal Description | TR IN E 1/2 SE |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 15 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SIOUX |
| Census Block Group | 3 |
| Census Block | 3165 |
| Census Tract | 80100 |
3565 260th Ave, a rural home, is owned and occupied by an individual who acquired it in August 2025.
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 | Individual Name on File |
|---|---|
| Mailing Address | 3565 260TH AVE, SPENCER, IA 51301-7586 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 11, 2025 |
| Transfer Doc | 0000001898 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3565 260th Ave was $818, up 1.2% 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 | $818.00 (+1.24%) | $73,870 Land $4,070 Building $69,800 | $73,870 Land $4,070 Building $69,800 |
| 2024 | $808.00 | ||
| 2023 | $69,440 (-1.89%) Land $2,980 Building $66,460 | $69,440 Land $2,980 Building $66,460 | |
| 2022 | $912.00 Additional exemption filed | $70,780 Land $2,390 Building $68,390 | |
| 2021 | $70,780 Land $2,390 Building $68,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3565 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 risk around 3565 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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