1020 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1020 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 728 sqft · built 1945
Lot Size	0.149 acres (6,500 sqft)
Owner	Company on Record
Last Sale	$120,000 (Jun 2023)
Tax Bill	$1,222 (2022)
Deeds & Mortgages	Jun 2023 Sale May 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607329001`

Property Details

APN / Parcel Number

Primary APN	`963607329001`
Alternative APN	`64096360732900100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	728 sqft Living Area
Basement Area	728 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	192 sqft
Porch	Open Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360732900100
Street Address	1020 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1 GENERAL COMMERCIAL
Legal Description	N 65' 5 5 COLLEGE 6 5 COLLEGE
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	3067
Census Tract	80200

Owner

Source: Clay County assessment roll, as of May 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company on Record
Mailing Address	1200 1ST AVE E, SPENCER, IA 51301-4342
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Warranty Deed, Transfer
May 25, 2018	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
May 25, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	2023 1066
Deed Book / Page	2023 / 1066
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 1, 2023
Property Address	1020 2ND AVE E, SPENCER, IA 51301-4407
Document Number	02023/1066
Book / Page	2023 / 1066
Instrument Date	May 31, 2023
Instrument	2023 1066
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Tax	$191.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 1ST AVE E, SPENCER, IA 51301-4342

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1020 2ND AVE E, SPENCER, IA 51301-4407
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001383
Date	May 25, 2018
Book Page	0000002018/0000001383
Instrument	000000001383

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 25, 2018
Property Address	1020 2ND AVE E, SPENCER, IA 51301-4407
Document Number	2018/1382
Book / Page	2018 / 1382
Instrument Date	May 24, 2018
Instrument	000000001382
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1008 E 18TH ST, SPENCER, IA 51301-4738

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$85,430 (+5.39%) Land $14,410 Building $71,020	$85,430 (+5.39%) Land $14,410 Building $71,020
2023		$81,060 (+16.89%) Land $14,410 Building $66,650	$81,060 (+16.89%) Land $14,410 Building $66,650
2022	$1,222.00	$69,350 Land $14,410 Building $54,940
2021			$69,350 Land $14,410 Building $54,940

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 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
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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