Clay County property record for 801 E 3rd St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 871 sqft · built 1949 |
| Lot Size | 0.151 acres (6,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $147,500 (May 2024) |
| Tax Bill | $1,762 (2024) |
| Deeds & Mortgages | Mar 2020 Sale & Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618226031 |
| Primary APN | 963618226031 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 871 sqft Living Area |
| 1st Floor Area | 791 sqft |
| Basement Area | 791 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1949 |
|---|---|
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 6,600 sqft (0.151 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096361822603100 |
|---|---|
| Street Address | 801 E 3RD ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-5123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPENCER RESID |
| Legal Description | E 1/2 S 1/2 4 AUD PLAT 3 |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 18 |
| Legal Subdivision | AUDITOR'S PLAT 3 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 80200 |
Source: Clay County records · APN 963618226031
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 |
|---|---|
| Mailing Address | 801 E 3RD ST, SPENCER, IA 51301-5123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 02, 2020 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Jun 17, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage PINNACLE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 28, 2024 · Amount on Record |
| Deed Sale | May 28, 2024 · Amount on Record |
| Prior Sale | Mar 02, 2020 · Amount on Record |
| Deed Document Number | 2024 1012 |
| Deed Book / Page | 2024 / 1012 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Mar 02, 2020 |
| Property Address | 801 E 3RD ST, SPENCER, IA 51301-5123 |
| Document Number | 2020/523 |
| Book / Page | 2020 / 523 |
| Instrument Date | Feb 20, 2020 |
| Instrument | 523 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 002020/524 |
|---|---|
| Date | Mar 02, 2020 |
| Book Page | 2020/524 |
| Instrument | 524 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jun 17, 2019 |
| Property Address | 801 E 3RD ST, SPENCER, IA 51301-5123 |
| Document Number | 02019/1530 |
| Book / Page | 2019 / 1530 |
| Instrument Date | Jun 13, 2019 |
| Instrument | 1530 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13575 LYNAM DR, OMAHA, NE 68138-4472 |
| Investor | Possibly a Property Investor |
| Document Number | 02019/1546 |
|---|---|
| Date | Jun 18, 2019 |
| Book Page | 2019/1546 |
| Instrument | 1546 |
| Name | PINNACLE BANK |
|---|
| Type | Stand-Alone First 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 | $119,410 (+8.53%) Land $19,600 Building $99,810 | $119,410 (+8.53%) Land $19,600 Building $99,810 | |
| 2024 | $1,762.00 (+21.02%) | ||
| 2023 | $110,020 (+20.15%) Land $13,720 Building $96,300 | $110,020 (+20.15%) Land $13,720 Building $96,300 | |
| 2022 | $1,456.00 Homeowner's exemption | $91,570 Land $13,720 Building $77,850 | |
| 2021 | $91,570 Land $13,720 Building $77,850 |
Source: FEMA National Flood Hazard Layer as of February 21, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| 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 at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spencer Municipal Communications Utility Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group.
Based on FCC filings for 371 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPENCER MUNICIPAL WATER UTILITY serves 11,325 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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