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

Clay County property record for 520 E 3rd St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 968 sqft · built 1881
Lot Size	0.206 acres (8,978 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Sep 2024)
Tax Bill	$1,956 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`963618204007`

Property Details

APN / Parcel Number

Primary APN	`963618204007`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	968 sqft Living Area
1st Floor Area	868 sqft
Basement Area	434 sqft
Unfinished Basement	434 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1881
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,978 sqft (0.206 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 E 3RD ST
City	SPENCER
State	IA
Zip	51301-5115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EXC. W 2' & E 4' 1 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

Owner

520 E 3rd St is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 E 3RD ST, SPENCER, IA 51301-5115
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 19, 2026	Deed of Trust, Mortgage · FHA Mortgage ENDEAVOR CAPITAL LLC
Aug 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
Oct 16, 2009	Deed of Trust, Mortgage · USDA Mortgage USDA
Jul 25, 2008	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK SPENCER
Dec 18, 2007	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK SPENCER
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2024 · Amount on File
Deed Sale	Sep 12, 2024 · Amount on File
Prior Sale	Jul 5, 2023 · Amount on File
Deed Document Number	20241857
Deed Book / Page	2024 / 1857
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	520 E 3RD ST, SPENCER, IA 51301-5115
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E 3RD ST, SPENCER, IA 51301-5115

Mortgage

Document Number	002026/636
Date	Mar 19, 2026
Book Page	2026/636
Instrument	2026 636

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	520 E 3RD ST, SPENCER, IA 51301-5115
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2059
Date	Aug 4, 2017
Book Page	2017/2059
Instrument	2059

Lender

Name	COMMUNITY STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2037

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	520 E 3RD ST, SPENCER, IA 51301-5115
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02009/3359
Date	Oct 16, 2009
Book Page	2009/3359
Instrument	2009 3359

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Oct 16, 2042

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	520 E 3RD ST, SPENCER, IA 51301-5115
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02008/2210
Date	Jul 25, 2008
Book Page	2008/2210
Instrument	2008 2210

Lender

Name	STATE BANK SPENCER
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jul 15, 2015

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	520 E 3RD ST, SPENCER, IA 51301-5115
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02007/3850
Date	Dec 18, 2007
Book Page	2007/3850
Instrument	2007 3850

Lender

Name	STATE BANK SPENCER
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 5, 2023
Property Address	520 E 3RD ST, SPENCER, IA 51301-5115
Document Number	02023/1354
Book / Page	2023 / 1354
Instrument Date	Jun 21, 2023
Instrument	2023 1354
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E 3RD ST, SPENCER, IA 51301-5115

Mortgage

Document Number	0020231355
Date	Jul 5, 2023
Instrument	2023 1355

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 520 E 3rd St was $1,956 with a homeowner's exemption, up 14.9% 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	$1,956.00 (+14.92%) Homeowner's exemption	$138,570 Land $16,250 Building $122,320	$138,570 Land $16,250 Building $122,320
2024	$1,702.00
2023		$116,550 (+20.73%) Land $12,540 Building $104,010	$116,550 Land $12,540 Building $104,010
2022	$1,700.00	$96,540 Land $12,540 Building $84,000
2021			$96,540 Land $12,540 Building $84,000

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

Flood

FEMA maps place 520 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	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

Wildfire risk around 520 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.

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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