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

Clay County property record for 911 E 3rd St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,744 sqft · built 1917
Lot Size0.364 acres (15,873 sqft)
OwnerIndividual Name on File
Last Sale$67,000 (Mar 2021)
Tax Bill$4,073 (2024)
Deeds & MortgagesFeb 2024 Sale & Line of Credit
Feb 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN963618226040

Property Details

APN / Parcel Number

Primary APN963618226040
Alternative APN
  • 64096361822604000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,744 sqft Living Area
1st Floor Area1,044 sqft
Basement Area1,392 sqft
Game RoomGame Room
FlooringHardwood
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1917
Exterior MaterialVinyl
Construction TypeFrame
Foundation TypeBlock
Roof TypeGable
Lot Area15,873 sqft (0.364 acres)
Garage TypeDetached
Garage Area672 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area176 sqft
Patio Area79 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Water SourceCommercial

Location & Zoning

Old Parcel Number64096361822604000
Street Address911 E 3RD ST
CitySPENCER
StateIA
Zip51301-5107
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description8-9 JOLLIFFE'S SUB & ENTIRE VAC ALLEY TO N
Legal Range36
Legal Township17
Legal Section18
Legal SubdivisionJOLIFFE'S SUBDIVISION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2021
Census Tract80200

Owner

Source: Clay County records · APN 963618226040

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 RecordIndividual Name on File
Mailing Address911 E 3RD ST, SPENCER, IA 51301-5107
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 28, 2024Quit Claim Deed, Transfer · Line of Credit
STATE BANK
Feb 17, 2022Deed of Trust, Mortgage · Conventional Mortgage
STATE BANK
Mar 02, 2021Warranty Deed, Transfer
Sep 01, 2020Warranty Deed, Transfer · Conventional Mortgage
STATE BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 02, 2021 · Amount on Record
Deed SaleMar 02, 2021 · Amount on Record
Prior SaleMar 02, 2021 · Amount on Record
Deed Document Number002021/666
Deed Book / Page2021 / 666
Last Transfer DateFeb 28, 2024
Transfer Doc002024/334
Record UpdatedJun 08, 2026

February 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCLAY IA
Recording DateFeb 28, 2024
Property Address911 E 3RD ST, SPENCER, IA 51301-5107
Document Number002024/334
Book / Page2024 / 334
Instrument DateFeb 23, 2024
Instrument2024 334
Transaction TypeTransfer
Record UpdatedMar 21, 2024

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$289.60
Amount AccuracyRounded by County
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address911 E 3RD ST, SPENCER, IA 51301-5107

Mortgage

Document Number0002024335
DateFeb 28, 2024
Instrument2024 335
Lender
NameSTATE BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address911 E 3RD ST, SPENCER, IA 51301-5107
Transaction TypeMortgage
Record UpdatedJun 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002022/434
DateFeb 17, 2022
Book Page2022/434
Instrument2022 434
Lender
NameSTATE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateMar 02, 2021
Property Address911 E 3RD ST, SPENCER, IA 51301-5107
Document Number002021/666
Book / Page2021 / 666
Instrument DateMar 01, 2021
Instrument2021 0666
Transaction TypeTransfer
Record UpdatedAug 09, 2022

Transaction

AmountAmount Recorded
Tax$106.40
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address911 E 3RD ST, SPENCER, IA 51301-5107

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateSep 01, 2020
Property Address911 E 3RD ST, SPENCER, IA 51301-5107
Document Number02020/2671
Book / Page2020 / 2671
Instrument DateAug 27, 2020
Instrument2020 2671
Transaction TypeTransfer
Record UpdatedJun 01, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$359.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address911 E 3RD ST, SPENCER, IA 51301-5107

Mortgage

Document Number02020/2672
DateSep 01, 2020
Book Page2020/2672
Instrument2020 2672
Lender
NameSTATE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer 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.

YearTax BillAssessed ValueAssessed Market Value
2025$220,710 (-10.09%) Land $38,920 Building $181,790$220,710 (-10.09%) Land $38,920 Building $181,790
2024$4,073.00 (+7.61%)
2023$245,470 (+18.72%) Land $27,240 Building $218,230$245,470 (+18.72%) Land $27,240 Building $218,230
2022$3,785.00$206,770 Land $27,240 Building $179,530
2021$206,770 Land $27,240 Building $179,530

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA1 of 6
Most Recent ClaimJun 2024, rainfall accumulation, Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims By Storm
  • Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

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

ProviderTechnologyDownload / Upload (Mbps)
Spencer Municipal Communications UtilityFiber1,000 / 1,000
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

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