425 E 3rd St, Spencer, IA 51301 Property Records

Clay County property record for 425 E 3rd St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,274 sqft · built 1952
Lot Size	0.208 acres (9,045 sqft)
Owner	Individual Name on Record
Last Sale	$98,060 (Feb 2026)
Tax Bill	$1,674 (2025)
Deeds & Mortgages	Feb 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`963618202014`

Property Details

APN / Parcel Number

Primary APN	`963618202014`
Alternative APN	`64096361820201400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,274 sqft Living Area
1st Floor Area	944 sqft
Attic	Attic
Attic Area	330 sqft
Basement Area	944 sqft
Finished Basement	425 sqft
Unfinished Basement	944 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,045 sqft (0.208 acres)
Lot Dimensions	135 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	425 E 3RD ST
City	SPENCER
State	IA
Zip	51301-5114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 67' OF S 1/2 4 EGLESTON
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	EGLESTON ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2022
Census Tract	80200

Owner

Source: Clay County records, as of March 24, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	425 E 3RD ST, SPENCER, IA 51301-5114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2026 · Amount on Record
Deed Sale	Feb 18, 2026 · Amount on Record
Deed Document Number	2026401
Deed Book / Page	2026 / 401
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 18, 2026
Property Address	425 E 3RD ST, SPENCER, IA 51301-5114
Document Number	002026/401
Book / Page	2026 / 401
Instrument Date	Feb 18, 2026
Instrument	2026 401
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Amount	Amount Recorded
Tax	$156.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E 3RD ST, SPENCER, IA 51301-5114

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Spencer City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,674.00 Homeowner's exemption	$122,940 (+7.09%) Land $23,220 Building $99,720	$122,940 (+7.09%) Land $23,220 Building $99,720
2024	$1,674.00 (+8.84%)
2023		$114,800 (+19.36%) Land $17,910 Building $96,890	$114,800 (+19.36%) Land $17,910 Building $96,890
2022	$1,538.00 Homeowner's exemption	$96,180 Land $17,910 Building $78,270
2021			$96,180 Land $17,910 Building $78,270

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% 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 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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