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

Clay County property record for 831 E 3rd St, Spencer, IA 51301 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 1951
Square Footage	1,748 sqft Living Area
Lot Size	10,184 sqft (0.234 acres)
Occupancy	Owner Occupied
Last Sale	$118,500 (2011)
Tax Bill	$2,876.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`963618226038`
Alternative APN	`64096361822603800`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	1,748 sqft Living Area
1st Floor	1,028 sqft 1st Floor
Basement Area	1,028 sqft Basement
Unfinished Basement	1,028 sqft Unfinished
Stories	1 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Wood Exterior
Construction Type	Wood Construction
Roof Construction	Gable Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,184 sqft (0.234 acres)
Depth X Width	134 ft x 76 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Type	Detached Garage
Garage Area	780 sqft Garage
Patio Area	585 sqft Patio

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Water Source	Commercial Water Source

Location & Zoning

Street Address	831 E 3RD ST
City	SPENCER
State	IA
Zip	51301-5123
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	6 & E PART 5, BEING 18.08' ON S & 31.92' ON N BJORNSTAD SUB TRI TR 2 AUD PLAT 3
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	BJORNSTAD'S SUBDIVISION
Legal Tract	2
Jurisdiction	CLAY IA
Minor Civil Division	SPENCER
Census Blockgroup	2
Census Block	2021
Census Tract	80200

Owner

Source: Clay County records · APN 963618226038

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 Record	2 Individuals Owners
Mailing Address	831 E 3RD ST, SPENCER, IA 51301-5123
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2019	Deed of Trust, Mortgage · Stand Alone Refinance COMMUNITY STATE BANK
Jan 13, 2005	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
May 03, 2005	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
May 12, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Oct 31, 2017	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK
Jan 10, 2011	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Known Transactions	Last Sale Amount on Jan 10, 2011 Deed Sale Price on Jan 10, 2011
Deed Doc Number	201171
Deed Book / Page	2011 / 71
Record Refreshed	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	831 E 3RD ST, SPENCER, IA 51301-5123
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002019/740
Date	Mar 29, 2019
Book Page	2019/740
Instrument	740

Lender

Name	COMMUNITY STATE BANK

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Apr 01, 2024

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	831 E 3RD ST, SPENCER, IA 51301-5123
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02005/0182
Date	Jan 13, 2005
Book Page	2005/0182
Instrument	2005 0182

Lender

Name	FARMERS TRUST & SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	831 E 3RD ST, SPENCER, IA 51301-5123
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02005/1457
Date	May 03, 2005
Book Page	2005/1457
Instrument	2005 1457

Lender

Name	FARMERS TRUST & SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 01, 2005

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 12, 2023
Property Address	831 E 3RD ST, SPENCER, IA 51301-5123
Document Number	002023/861
Book / Page	2023 / 861
Instrument Date	May 10, 2023
Instrument	2023 861
Transaction Type	Transfer
Record Updated	Jun 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$301.60
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	831 E 3RD ST, SPENCER, IA 51301-5123

Mortgage

Document Number	002023/862
Date	May 12, 2023
Book Page	2023/862
Instrument	2023 862

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2053

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 31, 2017
Property Address	831 E 3RD ST, SPENCER, IA 51301-5123
Document Number	02017/2859
Book / Page	2017 / 2859
Instrument Date	Oct 27, 2017
Instrument	2017 2859
Transaction Type	Transfer
Record Updated	Jun 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	831 E 3RD ST, SPENCER, IA 51301-5123
Investor	Possibly a Property Investor

Mortgage

Document Number	02017/2860
Date	Oct 31, 2017
Book Page	2017/2860
Instrument	2017 2860

Lender

Name	COMMUNITY STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

January 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 10, 2011
Property Address	831 E 3RD ST, SPENCER, IA 51301-5123
Document Number	0002011/71
Book / Page	2011 / 71
Instrument Date	Jan 05, 2011
Instrument	2011 0071
Transaction Type	Transfer
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$188.80
Amount Accuracy	Sold for Taxes
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 E 3RD ST, SPENCER, IA 51301-5123

Mortgage

Document Number	0020110074
Date	Jan 10, 2011
Instrument	2011 0074

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2041

Tax Assessment & Valuation

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

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

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	$2,876.00 Homeowner's exemption	$203,090 (+6.98%) Land $30,100 Building $172,990	$203,090 (+6.98%) Land $30,100 Building $172,990
2024	$2,876.00 (+3.53%)
2023		$189,840 (+20.37%) Land $21,070 Building $168,770	$189,840 (+20.37%) Land $21,070 Building $168,770
2022	$2,778.00 Homeowner's exemption	$157,720 Land $21,070 Building $136,650
2021			$157,720 Land $21,070 Building $136,650

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

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2005: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2005: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2011: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Nearby Properties on E 3rd St

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