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

Clay County property record for 901 E 3rd St, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	3 Baths
Year Built	Built 1955
Square Footage	1,978 sqft Living Area
Lot Size	17,554 sqft (0.402 acres)
Occupancy	Owner Occupied
Last Sale	$174,950 (2009)
Tax Bill	$3,880.00 (2024)

Owner

Source: Clay County records · APN 963618226039

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 Name on File
Co-owner	Verified Secondary Owner
Mailing Address	901 E 3RD ST, SPENCER, IA 51301-5107
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 20, 2009 · Amount on Record
Deed Sale	Feb 20, 2009 · Amount on Record
Prior Sale	Jun 23, 2005 · Amount on Record
Deed Doc Number	2009 0695
Deed Book / Page	2009 / 0695
Record Refreshed	Jun 08, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	901 E 3RD ST, SPENCER, IA 51301-5107
Transaction Type	Mortgage
Record Updated	Jul 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1509
Date	Jun 05, 2020
Book Page	2020/1509
Instrument	2020 1509

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

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		$271,380 (+7.42%) Land $40,760 Building $230,620	$271,380 (+7.42%) Land $40,760 Building $230,620
2024	$3,880.00 (+9.98%)
2023		$252,630 (+20.81%) Land $28,530 Building $224,100	$252,630 (+20.81%) Land $28,530 Building $224,100
2022	$3,528.00 Homeowner's exemption	$209,120 Land $28,530 Building $180,590
2021			$209,120 Land $28,530 Building $180,590

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Property Details

APN / Parcel Number

Primary APN	`963618226039`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Partial Baths	2 Partial Baths
Total Rooms	10 Rooms
Building Area	1,978 sqft Living Area
1st Floor	1,648 sqft 1st Floor
Basement Area	1,648 sqft Basement
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1955
Architectural Style	Ranch Style
Exterior Material	Wood Exterior
Construction Type	Wood Construction
Foundation Type	Block Foundation
Roof Construction	Hip Roof Construction
Lot Area	17,554 sqft (0.402 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Detached Garage
Garage Area	728 sqft Garage

Exterior Amenities

Deck Area	225 sqft Deck
Patio Area	436 sqft Patio
Porch	Enclosed Porch
Porch Area	20 sqft Porch

Utilities and HVAC

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

Location & Zoning

Street Address	901 E 3RD ST
City	SPENCER
State	IA
Zip	51301-5107
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S 1/2 2 AUD PLAT 3 EXC TRI TR & N TRI TR 6 BJORNSTAD SUB
Legal Subdivision	AUDITOR'S PLAT 3
Legal Tract	6
Jurisdiction	CLAY IA
Minor Civil Division	SPENCER
Census Blockgroup	2
Census Block	2021
Census Tract	80200