Clay County property record for 827 E 3rd St, Spencer, IA 51301 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,659 sqft · built 1950 |
| Lot Size | 0.224 acres (9,782 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,000 (May 2017) |
| Tax Bill | $2,714 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618226037 |
| Primary APN | 963618226037 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,659 sqft Living Area |
| 1st Floor Area | 968 sqft |
| Basement Area | 1,118 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 9,782 sqft (0.224 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 84 sqft |
| Patio Area | 148 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Street Address | 827 E 3RD ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4 EXC TRI TR 3.6' X 43.98'& W PT 5 BEING 31.92' ON S & 18.08' ON N-BJORNSTAD'S SUB |
| Legal Subdivision | BJORNSTAD'S SUBDIVISION |
| Legal Tract | 3 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 80200 |
Source: Clay County records · APN 963618226037
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 827 E 3RD ST, SPENCER, IA 51301-5123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 16, 2017 · Amount on Record |
| Deed Sale | May 16, 2017 · Amount on Record |
| Deed Document Number | 0020171275 |
| Record Updated | Jun 08, 2026 |
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 | $186,380 (+9.97%) Land $29,570 Building $156,810 | $186,380 (+9.97%) Land $29,570 Building $156,810 | |
| 2024 | $2,714.00 (+7.78%) | ||
| 2023 | $169,480 Land $20,700 Building $148,780 | $169,480 Land $20,700 Building $148,780 | |
| 2022 | $2,518.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 11 individual NFIP policies nearby |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 6 (2004–2024) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2024, rainfall accumulation, Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims By Storm |
|
| Wildfire Risk | Low above 1% of the US · above 9% of Iowa |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 371 locations within about half a mile of this property
| Provider | Technology | Download / Upload (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 at this address: AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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