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Rural ResidenceResidential
$239,236$113 / 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 85How 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

2620 400TH ST

SPENCER, IA 51301
3
Beds
2
Baths
2,124 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.
40 ac
Lot SizeThe size of the land the home sits on, from county records.
1921
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
6
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$239K
$203K low$276K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,144 (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.$200,720 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$53,910
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$146,810
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$190,670
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$200,720

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.55
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
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.
45
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.197 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.0.2 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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyCLAY
Lot (acres)The size of the land the home sits on, from county records.40.00
ConstructionThe main material the home's frame and walls are built from.Steel Frame
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 140 ft²Patio · 536 ft²

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 · 5.9 mi
M
Spencer Middle SchoolB-
Middle · Grades 7–8 · 6.5 mi
E
Fairview Park Elementary SchoolB+
Elementary · Grades 1–2 · 6.8 mi

District: Spencer 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

2620 400th 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.

  • Worth more than 76% of homes in Clay County
  • Costs less per square foot than 66% of homes in Spencer 51301
  • Bigger than 87% of homes in Spencer 51301
  • Among the largest lots in Spencer 51301
  • Older than 76% 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 more than 73% of 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$239,236
CheaperTypical $170,395Pricier

Pricier than 73% of homes nearby

Price per ft²$113
CheaperTypical $134Pricier

Pricier than 34% of homes nearby

Living area2,124 ft²
SmallerTypical 1,365 ft²Bigger

Bigger than 87% of homes nearby

Lot size40 ac
SmallerTypical 0.23 acBigger

Bigger than almost all homes nearby

Year built1921
OlderTypical 1958Newer

Newer than 24% of homes nearby

How 2620 400th St ranks against every home in each area.
MeasureThis homeSpencer 51301Clay County
Estimated valuepricier than$239,23673% of homes76% of homes
Price per ft²pricier than$11334% of homes45% of homes
Living areabigger than2,124 ft²87% of homes87% of homes
Lot sizebigger than40 acalmost all homesalmost all homes
Year builtnewer than192124% of homes30% of homes

About 2620 400th St

How much is 2620 400th St, Spencer, IA worth?

The TopHap Estimate for 2620 400th St, Spencer, IA is $239,236 as of Sep 24, 2026. The likely range is $202,682 to $275,790. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2620 400th St, Spencer, IA last sell?

2620 400th St, Spencer, IA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 2620 400th St, Spencer, IA?

2620 400th St, Spencer, IA has 3 bedrooms, 2 bathrooms, 2,124 square feet of living space and a 40.00-acre lot.

When was 2620 400th St, Spencer, IA built?

2620 400th St, Spencer, IA was built in 1921, making it 105 years old. It is a cape cod home. The building has 1 story.

What schools serve 2620 400th St, Spencer, IA?

2620 400th St, Spencer, IA is assigned to Spencer High School (high), rated A-; Spencer Middle School (middle), rated B-; Fairview Park Elementary School (elementary), rated B+. All sit in Spencer Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2620 400th St, Spencer, IA compare to other homes in Spencer 51301?

Among the 5,011 homes in Spencer 51301, it is worth more than 73% of them ($239,236 against a typical $170,395), its price per square foot is higher than 34% of them ($113 against a typical $134), it is bigger than 87% of them (2,124 ft² against a typical 1,365 ft²), its lot is bigger than almost all of them (40 ac against a typical 0.23 ac) and it is newer than 24% of them (1921 against a typical 1958). Measured against all of Clay County, it is worth more than 76% of 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 2620 400th St, Spencer, IA?

The 2025 property tax bill for 2620 400th St, Spencer, IA was $2,144. The county assessed it at $200,720.

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