3570 260th Ave, Spencer, IA 51301 Property Records

Clay County property record for 3570 260th Ave, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,227 sqft · built 2008
Lot Size	4.07 acres (177,289 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,000 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Feb 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963614300010`

Property Details

APN / Parcel Number

Primary APN	`963614300010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,227 sqft Living Area
1st Floor Area	1,540 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	177,289 sqft (4.07 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3570 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	4.07 AC TR PT SW SW BEING PARCEL A
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

Owner

3570 260th Ave is owned and occupied by two individuals who acquired it in May 2016.

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	3570 260TH AVE, SPENCER, IA 51301-7586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Feb 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 20, 2016
Transfer Doc	2016/1327
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3570 260TH AVE, SPENCER, IA 51301-7586
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002543
Date	Sep 28, 2018
Book Page	0000002018/0000002543
Instrument	000000002543

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3570 260TH AVE, SPENCER, IA 51301-7586
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/361
Date	Feb 11, 2019
Book Page	2019/361
Instrument	361

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2039

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3570 260TH AVE, SPENCER, IA 51301-7586
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1403
Date	May 7, 2021
Book Page	2021/1403
Instrument	2021 1403

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3570 260th Ave was $4,000 with a homeowner's exemption, up 0.2% 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	$4,000.00 (+0.15%) Homeowner's exemption	$377,570 Land $65,850 Building $311,720	$377,570 Land $65,850 Building $311,720
2024	$3,994.00
2023		$360,900 (+12.35%) Land $64,560 Building $296,340	$360,900 Land $64,560 Building $296,340
2022	$3,946.00 Homeowner's exemption	$321,230 Land $56,990 Building $264,240
2021			$321,230 Land $56,990 Building $264,240

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

Flood

FEMA maps place 3570 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

Wildfire risk around 3570 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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