107 6th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 107 6th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 612 sqft · built 1920
Lot Size	0.072 acres (3,150 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Mar 2022)
Tax Bill	$714 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage May 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963618207014`

Property Details

APN / Parcel Number

Primary APN	`963618207014`
Alternative APN	`64096361820701400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	612 sqft Living Area
1st Floor Area	540 sqft
Basement Area	540 sqft
Unfinished Basement	540 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,150 sqft (0.072 acres)
Lot Dimensions	50 ft deep x 63 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	107 6TH AVE E
City	SPENCER
State	IA
Zip	51301-5247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 62-1/2' 16 10 BURGIN'S ADD
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	BURGINS ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2036
Census Tract	80200

Owner

Source: Clay County records, as of December 2, 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 Record
Mailing Address	107 6TH AVE E, SPENCER, IA 51301-5247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
May 26, 2021	Warranty Deed, Transfer
Jul 28, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2022 · Amount on Record
Deed Sale	Mar 18, 2022 · Amount on Record
Prior Sale	May 26, 2021 · Amount on Record
Deed Document Number	2022684
Deed Book / Page	2022 / 684
Prior Transfer Date	Jul 16, 2020
Prior Transfer Doc	02020/2232
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 18, 2022
Property Address	107 6TH AVE E, SPENCER, IA 51301-5247
Document Number	002022/684
Book / Page	2022 / 684
Instrument Date	Mar 14, 2022
Instrument	2022 684
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$95.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 6TH AVE E, SPENCER, IA 51301-5247
Investor	Possibly a Property Investor

Mortgage

Document Number	002022/685
Date	Mar 18, 2022
Book Page	2022/685
Instrument	2022 685

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 26, 2021
Property Address	107 6TH AVE E, SPENCER, IA 51301-5247
Document Number	02021/1632
Book / Page	2021 / 1632
Instrument Date	May 26, 2021
Instrument	2021 1632
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Tax	$18.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1610 2ND AVE E, SPENCER, IA 51301-4445
Investor	Possibly a Property Investor

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Jul 28, 2020
Property Address	107 6TH AVE E, SPENCER, IA 51301-5247
Document Number	02020/2232
Book / Page	2020 / 2232
Instrument Date	Jul 16, 2020
Instrument	2020 2232
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 6TH AVE E, SPENCER, IA 51301-5247

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 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	$714.00 Homeowner's exemption	$58,500 (+6.64%) Land $11,910 Building $46,590	$58,500 (+6.64%) Land $11,910 Building $46,590
2024	$714.00 (+10.87%)
2023		$54,860 (+20.62%) Land $9,190 Building $45,670	$54,860 (+20.62%) Land $9,190 Building $45,670
2022	$644.00	$45,480 Land $9,190 Building $36,290
2021			$45,480 Land $9,190 Building $36,290

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 · 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
Flood Insurance Cost	Premium on Record 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	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 371 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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