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

Clay County property record for 815 E 3rd St, Spencer, IA 51301 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,218 sqft · built 1950
Lot Size0.154 acres (6,700 sqft)
OwnerIndividual Name on File
Tax Bill$2,044 (2025)
Deeds & MortgagesJul 2013 Mortgage
Jun 2012 Foreclosure
Flood ZoneZone X (minimal risk)
APN963618226035

Property Details

APN / Parcel Number

Primary APN963618226035

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,218 sqft Living Area
1st Floor Area840 sqft
AtticAttic
Attic Area378 sqft
Basement Area840 sqft
Unfinished Basement840 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Architectural StyleCape Cod
Exterior MaterialMetal
Construction TypeSteel Frame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,700 sqft (0.154 acres)
Lot Dimensions134 ft deep x 50 ft wide
Garage TypeAttached
Garage Area286 sqft
Parking Spaces1 Parking Space
Deck Area144 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address815 E 3RD ST
CitySPENCER
StateIA
Zip51301-5123
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description2 BJORNSTAD'S SUB
Legal Range36W
Legal Township96N
Legal Section18
Legal SubdivisionBJORNSTAD'S SUBDIVISION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2021
Census Tract80200

Owner

Source: Clay County records · APN 963618226035

Assessment roll updated September 30, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1503 17TH AVE W, SPENCER, IA 51301-2744
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 11, 2013Deed of Trust, Mortgage · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 11, 2012Legal Action/Court Order, Foreclosure · FHA Mortgage
AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 11, 2012
Deed SaleJun 11, 2012
Deed Document Number20121698
Deed Book / Page2012 / 1698
Record UpdatedSep 20, 2026

July 2013: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address815 E 3RD ST, SPENCER, IA 51301-5123
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02013/2209
DateJul 11, 2013
Book Page2013/2209
Instrument2013 2209
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressPLANO, TX 75024
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueAug 01, 2028

June 2012: Legal Action/Court Order, Foreclosure

Document TypeLegal Action/Court Order
JurisdictionCLAY IA
Recording DateJun 11, 2012
Property Address815 E 3RD ST, SPENCER, IA 51301-5123
Document Number02012/1698
Book / Page2012 / 1698
Instrument DateMay 15, 2012
Instrument2012 1698
Transaction TypeForeclosure
Record UpdatedApr 03, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address815 E 3RD ST, SPENCER, IA 51301-5123

Mortgage

Document Number0020121699
DateJun 11, 2012
Instrument2012 1699
Lender
NameAMERICAN FINANCIAL RESOURCES INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term181 Months
DueJul 01, 2027

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,044.00$139,360 (+9.12%) Land $19,800 Building $119,560$139,360 (+9.12%) Land $19,800 Building $119,560
2024$2,044.00 (+8.26%)
2023$127,710 (+19.18%) Land $13,860 Building $113,850$127,710 (+19.18%) Land $13,860 Building $113,850
2022$1,888.00$107,160 Land $13,860 Building $93,300
2021$107,160 Land $13,860 Building $93,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190410802002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force
2 of 11 on primary residences
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA1 of 6
Most Recent ClaimJun 2024, rainfall accumulation, Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Flood Events
  • Severe Storms, Flooding, Straight-line Winds, And Tornadoes (Jun 2024), 5 claims

Wildfire

Wildfire RiskLow
above 1% of the US · above 9% of Iowa
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
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.

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