Clay County property record for 10 E 1st St, Spencer, IA 51301
| Property Type | Commercial |
|---|---|
| Lot Size | 0.123 acres (5,368 sqft) |
| Owner | Company Name on File |
| Last Sale | $55,000 (Jul 2004) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618138005 |
| Primary APN | 963618138005 |
|---|---|
| Alternative APN |
|
| Lot Area | 5,368 sqft (0.123 acres) |
|---|---|
| Lot Dimensions | 44 ft deep x 122 ft wide |
| Old Parcel Number | 68296361813800500 |
|---|---|
| Street Address | 10 E 1ST ST |
| City | SPENCER |
| State | IA |
| Zip | 51301 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | CBD CENTRAL B |
| Legal Description | 5 K O.P. |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 18 |
| Legal Subdivision | ORIGINAL PLAT |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 80200 |
10 E 1st St, a commercial property, is owned by a company that bought it in July 2004.
Source: Clay County records, as of September 29, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 101 W 5TH ST, SPENCER, IA 51301-3821 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2004 · Amount on File |
| Deed Sale | Jul 1, 2004 · Amount on File |
| Record Updated | Jun 8, 2026 |
Source: Clay County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $43,120 Land $25,620 Building $17,500 | $43,120 Land $25,620 Building $17,500 |
| 2023 | $41,600 Land $25,620 Building $15,980 | $41,600 Land $25,620 Building $15,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 E 1st St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 6 (2004–2024) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
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.
The area around 10 E 1st St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 484 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spencer Municipal Utilities Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Nextlink.
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