700 3rd Ave SE, Spencer, IA 51301 Property Records

Clay County property record for 700 3rd Ave SE, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,288 sqft · built 1978
Lot Size	0.153 acres (6,660 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Sep 2023)
Tax Bill	$1,988 (2025)
Deeds & Mortgages	May 2018 Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963618403012`

Property Details

APN / Parcel Number

Primary APN	`963618403012`
Alternative APN	`64096361840301200`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Basement Area	1,288 sqft
Finished Basement	750 sqft
Unfinished Basement	1,288 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,660 sqft (0.153 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	700 3RD AVE SE
City	SPENCER
State	IA
Zip	51301-5424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT 6 2 SUNNY ACRES 2ND
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	SUNNY ACRES 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2042
Census Tract	80200

Owner

700 3rd Ave SE is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	700 3RD AVE SE, SPENCER, IA 51301-5424
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
May 2, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Dec 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Sep 29, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2023 · Amount on File
Deed Sale	Sep 29, 2023 · Amount on File
Deed Document Number	20232202
Deed Book / Page	2023 / 2202
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	700 3RD AVE SE, SPENCER, IA 51301-5424
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001082
Date	May 2, 2018
Book Page	0000002018/0000001082
Instrument	000000001082

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	700 3RD AVE SE, SPENCER, IA 51301-5424
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/3214
Date	Dec 11, 2017
Book Page	2017/3214
Instrument	2017 3214

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jan 1, 2023

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 29, 2023
Property Address	700 3RD AVE SE, SPENCER, IA 51301-5424
Document Number	02023/2202
Book / Page	2023 / 2202
Instrument Date	Sep 28, 2023
Instrument	2023 2202
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	700 3RD AVE SE, SPENCER, IA 51301-5424

Mortgage

Document Number	02023/2384
Date	Oct 18, 2023
Book Page	2023/2384
Instrument	2023 2384

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 700 3rd Ave SE was $1,988 with a homeowner's exemption, down 17.4% 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	$1,988.00 (-17.37%) Homeowner's exemption	$155,360 Land $21,660 Building $133,700	$155,360 Land $21,660 Building $133,700
2024	$2,406.00
2023		$174,270 (+15.24%) Land $15,160 Building $159,110	$174,270 Land $15,160 Building $159,110
2022	$2,508.00 Homeowner's exemption	$151,230 Land $15,160 Building $136,070
2021			$151,230 Land $15,160 Building $136,070

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

Flood

FEMA maps place 700 3rd Ave SE 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 700 3rd Ave SE 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 97% of the US · lower than 76% 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 224 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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