511 W 3rd St, Spencer, IA 51301 Property Records

Clay County property record for 511 W 3rd St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,941 sqft · built 1920
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,100 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963713227007`

Property Details

APN / Parcel Number

Primary APN	`963713227007`
Alternative APN	`64096371322700700`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,941 sqft Living Area
1st Floor Area	1,642 sqft
Basement Area	1,642 sqft
Finished Basement	800 sqft
Unfinished Basement	1,642 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	115 ft deep x 125 ft wide
Garage Type	Mixed
Garage Area	935 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Deck Area	206 sqft
Patio Area	323 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	511 W 3RD ST
City	SPENCER
State	IA
Zip	51301-3302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7-8 AUD PLAT 4
Legal Range	37W
Legal Township	96N
Legal Section	13
Legal Subdivision	AUDITOR'S PLAT 4
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1036
Census Tract	80301

Owner

511 W 3rd St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	511 W 3RD ST, SPENCER, IA 51301-3302
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Mar 14, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	511 W 3RD ST, SPENCER, IA 51301-3302
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0626
Date	Mar 14, 2017
Book Page	2017/0626
Instrument	2017 0626

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	511 W 3RD ST, SPENCER, IA 51301-3302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/626
Date	Mar 14, 2017
Book Page	2017/626
Instrument	0626

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 511 W 3rd St was $6,100 with a homeowner's exemption, up 2% from the year before.

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	$6,100.00 (+2.01%) Homeowner's exemption	$409,250 Land $47,000 Building $362,250	$409,250 Land $47,000 Building $362,250
2024	$5,980.00
2023		$383,740 (+25.04%) Land $37,600 Building $346,140	$383,740 Land $37,600 Building $346,140
2022	$5,250.00 Homeowner's exemption	$306,900 Land $37,600 Building $269,300
2021			$306,900 Land $37,600 Building $269,300

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

Flood

FEMA maps place 511 W 3rd St 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	2 of 4
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 · 4 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

Wildfire risk around 511 W 3rd St is low, with less than a 0.01% annual chance of 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	None beyond ember reach

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 484 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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