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Single Family ResidenceResidential
$31,656$41 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $460,000 on Jun 3, 2022

2105 390TH ST

SPENCER, IA 51301
1
Beds
2 / 2
Baths
766 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.99 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$32K
$26K low$38K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$460,000 · Jun 3, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$902 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$97,910 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$59,910
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$38,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$94,650
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$97,910

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.54
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
44
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
40
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.171 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCLAY
Lot (acres)The size of the land the home sits on, from county records.2.99
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 200 ft²Patio · 200 ft²Porch · 120 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Spencer High SchoolA-
High · Grades 9–12 · 4.4 mi
M
Spencer Middle SchoolB-
Middle · Grades 7–8 · 5.2 mi
E
Clay Central-Everly Elementary SchoolB-
Elementary · Grades PK–6 · 6.0 mi

District: Clay Central-Everly Community School District

Neighborhood · ZIP 51301These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.12,636
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,520
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,070
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2105 390th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the least valuable homes in Spencer 51301
  • Among the lowest price per square foot in Spencer 51301
  • Smaller than 95% of homes in Spencer 51301
  • Has a bigger lot than 90% of homes in Spencer 51301
  • Older than 86% of homes in Spencer 51301

What homes are worth in Spencer 51301

Each bar is how many homes fall in that price range. The marker is this home.

This home
$51K$515K

This home is worth less than almost all homes in Spencer 51301.

How it measures up in Spencer 51301

The dot is this home. The mark in the middle is the typical home in Spencer 51301.

Estimated value$31,656
CheaperTypical $170,395Pricier

Cheaper than almost all homes nearby

Price per ft²$41
CheaperTypical $134Pricier

Cheaper than almost all homes nearby

Living area766 ft²
SmallerTypical 1,365 ft²Bigger

Bigger than 5% of homes nearby

Lot size2.99 ac
SmallerTypical 0.23 acBigger

Bigger than 90% of homes nearby

Year built1910
OlderTypical 1958Newer

Newer than 14% of homes nearby

How 2105 390th St ranks against every home in each area.
MeasureThis homeSpencer 51301Clay County
Estimated valuepricier than$31,656almost no homesalmost no homes
Price per ft²pricier than$41almost no homes3% of homes
Living areabigger than766 ft²5% of homes5% of homes
Lot sizebigger than2.99 ac90% of homes81% of homes
Year builtnewer than191014% of homes19% of homes

About 2105 390th St

How much is 2105 390th St, Spencer, IA worth?

The TopHap Estimate for 2105 390th St, Spencer, IA is $31,656 as of Sep 24, 2026. The likely range is $25,622 to $37,690. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2105 390th St, Spencer, IA last sell?

2105 390th St, Spencer, IA last sold on Jun 3, 2022 for $460,000, according to the county's recorded deed.

How big is 2105 390th St, Spencer, IA?

2105 390th St, Spencer, IA has 1 bedrooms, 2 bathrooms, 766 square feet of living space and a 2.99-acre lot.

When was 2105 390th St, Spencer, IA built?

2105 390th St, Spencer, IA was built in 1910, making it 116 years old. The building has 1 story.

What schools serve 2105 390th St, Spencer, IA?

2105 390th St, Spencer, IA is assigned to Spencer High School (high), rated A-; Spencer Middle School (middle), rated B-; Clay Central-Everly Elementary School (elementary), rated B-. All sit in Clay Central-Everly Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2105 390th St, Spencer, IA compare to other homes in Spencer 51301?

Among the 5,011 homes in Spencer 51301, it is worth more than almost none of them ($31,656 against a typical $170,395), its price per square foot is higher than almost none of them ($41 against a typical $134), it is bigger than 5% of them (766 ft² against a typical 1,365 ft²), its lot is bigger than 90% of them (2.99 ac against a typical 0.23 ac) and it is newer than 14% of them (1910 against a typical 1958). Measured against all of Clay County, it is worth more than almost no homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2105 390th St, Spencer, IA?

The 2025 property tax bill for 2105 390th St, Spencer, IA was $902. The county assessed it at $97,910.

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