Clay County property record for 101 E 25th St, Spencer, IA 51301
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 1 ba · 960 sqft · built 2003 |
| Lot Size | 0.296 acres (12,880 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,630 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606178006 |
| Primary APN | 963606178006 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Total Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Duplex Single |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,880 sqft (0.296 acres) |
| Lot Dimensions | 161 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 101 E 25TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2102 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 8 1 BULLOCK'S HIGHLAND ACRES |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 6 |
| Legal Subdivision | BULLOCK HIGHLAND ACRES |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 80200 |
Source: Clay County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2235 193RD AVE, MILFORD, IA 51351-7194 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 101 E 25TH ST, SPENCER, IA 51301-2102 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/2052 |
|---|---|
| Date | Aug 4, 2017 |
| Book Page | 2017/2052 |
| Instrument | 2052 |
| Name | BANK MIDWEST |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Amount | Amount Recorded |
|---|---|
| Term | 61 Months |
| Due | Sep 20, 2022 |
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,630.00 (+3.83%) | $237,040 (+8.52%) Land $24,960 Building $212,080 | $237,040 (+8.52%) Land $24,960 Building $212,080 |
| 2024 | $3,496.00 (+6.91%) | ||
| 2023 | $218,420 (+17.67%) Land $20,800 Building $197,620 | $218,420 (+17.67%) Land $20,800 Building $197,620 | |
| 2022 | $3,270.00 | $185,620 Land $20,800 Building $164,820 | |
| 2021 | $185,620 Land $20,800 Building $164,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 7 (1993–2024) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 65% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 110 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 · Fiber in parts of the area | 1,000 / 50 |
| GigFire Fixed Wireless | 100 / 20 |
May also be available: AT&T, Nextlink, T-Mobile, Verizon.
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