1004 6th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1004 6th Ave E, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 2000
Lot Size	0.202 acres (8,804 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (May 2025)
Tax Bill	$3,662 (2024)
Deeds & Mortgages	Jun 2018 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607404011`

Property Details

APN / Parcel Number

Primary APN	`963607404011`
Alternative APN	`64096360740401100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Basement Area	1,300 sqft
Finished Basement	777 sqft
Game Room	Game Room
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Lot Area	8,804 sqft (0.202 acres)
Lot Dimensions	62 ft deep x 142 ft wide
Garage Type	Mixed
Garage Area	1,344 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360740401100
Street Address	1004 6TH AVE E
City	SPENCER
State	IA
Zip	51301-4800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 & W 12' 8 1 COLLEGE ADD
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3045
Census Tract	80200

Owner

Source: Clay County records · APN 963607404011

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	1004 6TH AVE E, SPENCER, IA 51301-4800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 01, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jan 04, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 09, 2025 · Amount on Record
Deed Sale	May 09, 2025 · Amount on Record
Prior Sale	Apr 29, 2016 · Amount on Record
Deed Document Number	2025 1096
Deed Book / Page	2025 / 1096
Record Updated	Jun 08, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1004 6TH AVE E, SPENCER, IA 51301-4800
Transaction Type	Mortgage
Record Updated	Jul 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001443
Date	Jun 01, 2018
Book Page	0000002018/0000001443
Instrument	000000001443

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1004 6TH AVE E, SPENCER, IA 51301-4800
Transaction Type	Mortgage
Record Updated	Jul 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1607
Date	May 24, 2021
Book Page	2021/1607
Instrument	2021 1607

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1004 6TH AVE E, SPENCER, IA 51301-4800
Transaction Type	Mortgage
Record Updated	Jul 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00002021/2
Date	Jan 04, 2021
Book Page	2021/2
Instrument	2021 0002

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 01, 2051

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		$277,480 (+9.82%) Land $36,350 Building $241,130	$277,480 (+9.82%) Land $36,350 Building $241,130
2024	$3,662.00 (+0.6%)
2023		$252,660 (+17.23%) Land $25,450 Building $227,210	$252,660 (+17.23%) Land $25,450 Building $227,210
2022	$3,640.00 Homeowner's exemption	$215,530 Land $25,450 Building $190,080
2021			$215,530 Land $25,450 Building $190,080

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 451 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spencer Municipal Communications Utility	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
AT&T	Fixed Wireless	100 / 20

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

Mobile Coverage

5G and 4G LTE

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