Clay County property record for 512 E 3rd St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 877 sqft · built 1951 |
| Lot Size | 0.186 acres (8,100 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,836 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618204006 |
| Primary APN | 963618204006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 877 sqft Living Area |
| Basement Area | 877 sqft |
| Finished Basement | 425 sqft |
| Unfinished Basement | 877 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 8,100 sqft (0.186 acres) |
| Lot Dimensions | 135 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 512 E 3RD ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 2' 1 SUTCLIFFE'S SUB. 2 SUTCLIFFE'S SUB. |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 18 |
| Legal Subdivision | SUTCLIFFE'S SUBDIVISION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 80200 |
512 E 3rd St, a single family home, is owned by an individual.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2012 HIGHWAY 77, DAKOTA CITY, NE 68731-3044 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 512 E 3rd St was $1,836, up 2.8% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,836.00 (+2.8%) | $119,830 Land $20,790 Building $99,040 | $119,830 Land $20,790 Building $99,040 |
| 2024 | $1,786.00 | ||
| 2023 | $111,560 (+19.7%) Land $16,040 Building $95,520 | $111,560 Land $16,040 Building $95,520 | |
| 2022 | $1,642.00 | $93,200 Land $16,040 Building $77,160 | |
| 2021 | $93,200 Land $16,040 Building $77,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 512 E 3rd St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.
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 File 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 |
|
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 512 E 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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