Clay County property record for 821 E 3rd St, Spencer, IA 51301 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Architecture Style | Cape Cod |
| Year Built | Built 1949 |
| Square Footage | 1,389 sqft Living Area |
| Lot Size | 6,788 sqft (0.155 acres) |
| Garage | Detached, 308 sqft |
| Tax Bill | $2,088.00 (2024) |
| Primary APN | 963618226036 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,389 sqft Living Area |
| 1st Floor | 896 sqft 1st Floor |
| Basement Area | 896 sqft Basement |
| Game Room | Game Room |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1949 |
|---|---|
| Architectural Style | Cape Cod Style |
| Exterior Material | Wood Exterior |
| Construction Type | Wood Construction |
| Foundation Type | Block Foundation |
| Roof Construction | Gable Roof Construction |
| Lot Area | 6,788 sqft (0.155 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 308 sqft Garage |
| Patio Area | 102 sqft Patio |
| Cooling System | None Cooling |
|---|---|
| Heating System | Hot Water Heating |
| Water Source | Commercial Water Source |
| Street Address | 821 E 3RD ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5123 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 3 & TRI TR 3.6' X 44.2' LOT 4 BJORNSTAD'S SUB |
| Legal Subdivision | BJORNSTAD'S SUBDIVISION |
| Legal Tract | 3 |
| Legal Lot Number | 3,4 |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 2 |
| Census Block | 2021 |
| Census Tract | 80200 |
Source: Clay County records · APN 963618226036
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 Owner on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | PO BOX 261, TERRIL, IA 51364-0261 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 02, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NORTHWEST BANK |
| Jul 17, 2024 | Deed of Trust, Mortgage · Line of Credit THE STATE BANK |
| Sep 03, 2013 | Legal Action/Court Order, Foreclosure · Conventional Mortgage THE STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Sep 03, 2013 |
| Transfer Doc | 2013/2832 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 821 E 3RD ST, SPENCER, IA 51301-5123 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 307 6TH AVE E, SPENCER, IA 51301-5152 |
| Document Number | 02025/2340 |
|---|---|
| Date | Oct 02, 2025 |
| Book Page | 2025/2340 |
| Instrument | 2025 2340 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 821 E 3RD ST, SPENCER, IA 51301-5123 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 410 S 4TH ST, TERRIL, IA 51364-7742 |
| Document Number | 02024/1331 |
|---|---|
| Date | Jul 17, 2024 |
| Book Page | 2024/1331 |
| Instrument | 2024 1331 |
| Name | THE STATE BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Sep 03, 2013 |
| Property Address | 821 E 3RD ST, SPENCER, IA 51301-5123 |
| Document Number | 02013/2832 |
| Book / Page | 2013 / 2832 |
| Instrument Date | Aug 28, 2013 |
| Instrument | 2013 2832 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 03, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | PO BOX 261, TERRIL, IA 51364-0261 |
| Document Number | 0020132833 |
|---|---|
| Date | Sep 03, 2013 |
| Instrument | 2013 2833 |
| Name | THE STATE BANK |
|---|---|
| Type | 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 | $140,460 (+7.67%) Land $20,310 Building $120,150 | $140,460 (+7.67%) Land $20,310 Building $120,150 | |
| 2024 | $2,088.00 (+9.55%) | ||
| 2023 | $130,450 (+20.56%) Land $14,220 Building $116,230 | $130,450 (+20.56%) Land $14,220 Building $116,230 | |
| 2022 | $1,906.00 | $108,200 Land $14,220 Building $93,980 | |
| 2021 | $108,200 Land $14,220 Building $93,980 |
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