817 3rd Ave W, Spencer, IA 51301 Property Records

Clay County property record for 817 3rd Ave W, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 626 sqft · built 1939
Lot Size	0.116 acres (5,050 sqft)
Owner	Individual Name on File
Last Sale	$76,000 (Oct 2020)
Tax Bill	$1,106 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2019 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607308008`

Property Details

APN / Parcel Number

Primary APN	`963607308008`
Alternative APN	`64096360730800800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	626 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cape Cod
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,050 sqft (0.116 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	817 3RD AVE W
City	SPENCER
State	IA
Zip	51301-3608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 3 2ND RY ADD
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2063
Census Tract	80301

Owner

817 3rd Ave W is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	817 3RD AVE W, SPENCER, IA 51301-3608
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
Oct 19, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 3, 2019	Warranty Deed, Transfer · Stand-Alone Refinance NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2020 · Amount on File
Deed Sale	Oct 19, 2020 · Amount on File
Prior Sale	May 3, 2019 · Amount on File
Deed Document Number	20203177
Deed Book / Page	2020 / 3177
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 19, 2020
Property Address	817 3RD AVE W, SPENCER, IA 51301-3608
Document Number	2020/3177
Book / Page	2020 / 3177
Instrument Date	Sep 23, 2020
Instrument	2020 3177
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 3RD AVE W, SPENCER, IA 51301-3608

Mortgage

Document Number	2020317820203178
Date	Oct 19, 2020
Instrument	2020 317820203178

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 3, 2019
Property Address	817 3RD AVE W, SPENCER, IA 51301-3608
Document Number	2019/1088
Book / Page	2019 / 1088
Instrument Date	Apr 1, 2019
Instrument	1088
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	911 1ST AVE E APT B6, B6, SPENCER, IA 51301-4041

Mortgage

Document Number	2019/1089
Date	May 3, 2019
Book Page	2019/1089
Instrument	1089

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 817 3rd Ave W was $1,106 with a homeowner's exemption, up 0.5% 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	$1,106.00 (+0.55%) Homeowner's exemption	$92,060 Land $13,350 Building $78,710	$92,060 Land $13,350 Building $78,710
2024	$1,100.00
2023		$87,370 (+20.34%) Land $11,130 Building $76,240	$87,370 Land $11,130 Building $76,240
2022	$1,223.00 Homeowner's exemption	$72,600 Land $11,130 Building $61,470
2021			$72,600 Land $11,130 Building $61,470

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

Flood

FEMA maps place 817 3rd Ave W in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 817 3rd Ave W 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 349 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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