3595 240th Ave, Spencer, IA 51301 Property Records

Clay County property record for 3595 240th Ave, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,880 sqft · built 1976
Lot Size	2.15 acres (93,654 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Jul 2006)
Tax Bill	$4,582 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Apr 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963617400005`

Property Details

APN / Parcel Number

Primary APN	`963617400005`
Alternative APN	`17096361740000500`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,880 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,880 sqft
Finished Basement	746 sqft
Unfinished Basement	1,880 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	93,654 sqft (2.15 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3595 240TH AVE
City	SPENCER
State	IA
Zip	51301-7569
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 AGRICU
Legal Description	1 ACRE TRACT IN SE CORNER OF SE
Legal Range	36W
Legal Township	96N
Legal Section	17
Legal Subdivision	AUDITORS 6
Jurisdiction	CLAY IA
Township / Civil Division	SIOUX
Census Block Group	1
Census Block	1027
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3595 240TH AVE, SPENCER, IA 51301-7569
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Apr 5, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2006 · Amount on Record
Deed Sale	Jul 25, 2006 · Amount on Record
Deed Document Number	20062342
Deed Book / Page	2006 / 2342
Prior Transfer Date	Jul 21, 2006
Prior Transfer Doc	02006/2342
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3595 240TH AVE, SPENCER, IA 51301-7569
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/388
Date	Mar 10, 2023
Book Page	2023/388
Instrument	2023 388

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3595 240TH AVE, SPENCER, IA 51301-7569
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0831
Date	Apr 5, 2017
Book Page	2017/0831
Instrument	2017 0831

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3595 240TH AVE, SPENCER, IA 51301-7569
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1287
Date	Apr 27, 2021
Book Page	2021/1287
Instrument	2021 1287

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3595 240TH AVE, SPENCER, IA 51301-7569
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1908
Date	Jun 18, 2021
Book Page	2021/1908
Instrument	2021 1908

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$4,582.00 (+1.33%) Homeowner's exemption	$461,170 (+13.26%) Land $93,190 Building $367,980	$461,170 (+5.79%) Land $93,190 Building $367,980
2024	$4,522.00 (-1.78%)
2023		$407,170 (+9.1%) Land $60,000 Building $347,170	$435,920 (+8.45%)
2022	$4,604.00 Homeowner's exemption	$373,210 Land $60,000 Building $313,210
2021			$401,960

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

Flood

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 Policies	2 in force
Nearby Flood Claims	7 (1993–2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	100 / 20

May also be available: Nextlink, Spencer Municipal Utilities.

Cell Coverage

5G (outdoors only) and 4G LTE

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