707 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 707 3rd Ave E, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	1 Beds
Bathrooms	2 Baths
Year Built	Built 1945
Square Footage	456 sqft Living Area
Lot Size	7,100 sqft (0.162 acres)
Garage	Detached, 720 sqft
Last Sale	$49,500 (2017)
Tax Bill	$1,258.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`963607340011`
Alternative APN	`64096360734001100`

Interior

Bedrooms	1 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Building Area	456 sqft Living Area
Basement Area	456 sqft Basement
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1945
Architectural Style	Ranch Style
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Foundation Type	Block Foundation
Roof Construction	Gable Roof Construction
Lot Area	7,100 sqft (0.162 acres)
Depth X Width	142 ft x 50 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Type	Detached Garage
Garage Area	720 sqft Garage

Exterior Amenities

Deck Area	84 sqft Deck
Patio Area	84 sqft Patio
Porch	Enclosed Porch
Porch Area	48 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air Heating
Water Source	Commercial Water Source

Location & Zoning

Old Parcel Number	64096360734001100
Street Address	707 3RD AVE E
City	SPENCER
State	IA
Zip	51301-4409
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	5 16 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Legal Lot Number	5
Jurisdiction	CLAY IA
Minor Civil Division	SPENCER
Census Blockgroup	2
Census Block	2004
Census Tract	80200

Owner

Source: Clay County records · APN 963607340011

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 21, 2017 · Amount on Record
Deed Sale	Jul 21, 2017 · Amount on Record
Deed Doc Number	0020171905
Deed Book / Page	2017 / 1905
Record Refreshed	Jun 08, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 21, 2017
Property Address	707 3RD AVE E, SPENCER, IA 51301-4409
Document Number	02017/1905
Book / Page	2017 / 1905
Instrument Date	Jul 21, 2017
Instrument	2017 1905
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$78.40
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 E 4TH ST, SPENCER, IA 51301-5148

Mortgage

Document Number	02017/1906
Date	Jul 21, 2017
Book Page	2017/1906
Instrument	1906

Lender

Name	COMMUNITY STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 21, 2022

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

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		$84,170 (+7.05%) Land $17,500 Building $66,670	$84,170 (+7.05%) Land $17,500 Building $66,670
2024	$1,258.00 (+8.08%)
2023		$78,630 (+18.94%) Land $13,500 Building $65,130	$78,630 (+18.94%) Land $13,500 Building $65,130
2022	$1,164.00	$66,110 Land $13,500 Building $52,610
2021			$66,110 Land $13,500 Building $52,610

Flood & Wildfire

707 3rd Ave E is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Clay County (19041C), updated February 21, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.