Clay County property record for 703 3rd Ave E, Spencer, IA 51301 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1928 |
| Square Footage | 1,056 sqft Living Area |
| Lot Size | 8,364 sqft (0.192 acres) |
| Garage | Detached, 352 sqft |
| Last Sale | $60,000 (2020) |
| Tax Bill | $1,456.00 (2024) |
| Primary APN | 963607340013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,056 sqft Living Area |
| 1st Floor | 728 sqft 1st Floor |
| Basement Area | 728 sqft Basement |
| Game Room | Game Room |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1928 |
|---|---|
| Architectural Style | Cape Cod Style |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Block Foundation |
| Roof Construction | Gable Roof Construction |
| Lot Area | 8,364 sqft (0.192 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 352 sqft Garage |
| Patio Area | 91 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 70 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Water Source | Commercial Water Source |
| Street Address | 703 3RD AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4409 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | E 82' 6-7 16 COLLEGE |
| Legal Subdivision | COLLEGE ADDITION |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 2 |
| Census Block | 2004 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607340013
Assessment roll updated May 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 801 E 4TH ST, SPENCER, IA 51301-5148 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 18, 2025 | Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK |
| Jul 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 10, 2020 · Amount on Record |
| Deed Sale | Jul 10, 2020 · Amount on Record |
| Deed Doc Number | 0020202020 |
| Deed Book / Page | 2020 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 703 3RD AVE E, SPENCER, IA 51301-4409 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02025/2223 |
|---|---|
| Date | Sep 18, 2025 |
| Book Page | 2025/2223 |
| Instrument | 2025 2223 |
| Name | COMMUNITY STATE BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 18, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jul 10, 2020 |
| Property Address | 703 3RD AVE E, SPENCER, IA 51301-4409 |
| Document Number | 2020/2020 |
| Book / Page | 2020 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 2020 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 801 E 4TH ST, SPENCER, IA 51301-5148 |
| Document Number | 2020202120202021 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 2020 202120202021 |
| Name | COMMUNITY STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $97,740 (+7.47%) Land $28,300 Building $69,440 | $97,740 (+7.47%) Land $28,300 Building $69,440 | |
| 2024 | $1,456.00 (+4.75%) | ||
| 2023 | $90,950 (+15.33%) Land $21,830 Building $69,120 | $90,950 (+15.33%) Land $21,830 Building $69,120 | |
| 2022 | $1,390.00 | $78,860 Land $21,830 Building $57,030 | |
| 2021 | $78,860 Land $21,830 Building $57,030 |
703 3rd Ave E is in FEMA Zone X (minimal flood hazard (unshaded X)), outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Clay County (19041C), updated February 21, 2024
| FEMA Flood Zone | Zone X minimal flood hazard (unshaded X) |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024)
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Lookups use the parcel center point against federal datasets; a lot that straddles a boundary may differ at its edges, and lenders make the official flood determination. Wildfire values come from a national model at roughly 900 ft resolution with fuels as of 2020 and describe conditions, not a forecast.
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