1103 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1103 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1918
Lot Size	0.164 acres (7,140 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Aug 2018)
Tax Bill	$1,034 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607258012`

Property Details

APN / Parcel Number

Primary APN	`963607258012`
Alternative APN	`64096360725801200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Basement Area	768 sqft
Unfinished Basement	768 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,140 sqft (0.164 acres)
Lot Dimensions	51 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1103 5TH AVE E
City	SPENCER
State	IA
Zip	51301-4525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 8' 13 7 FAIRVIEW ALL 14 7 FAIRVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3048
Census Tract	80200

Owner

1103 5th Ave E is owned and occupied by an individual who bought it in August 2018.

Source: Clay County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	1103 5TH AVE E, SPENCER, IA 51301-4525
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2018	Deed of Trust, Mortgage STATE BANK
Aug 30, 2018	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2018 · Amount on File
Deed Sale	Aug 30, 2018 · Amount on File
Deed Document Number	20182331
Deed Book / Page	2018 / 2331
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1103 5TH AVE E, SPENCER, IA 51301-4525
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002332
Date	Aug 30, 2018
Book Page	0000002018/0000002332
Instrument	000000002332

Lender

Name	STATE BANK
Type	Bank

Agreement

Amount	Amount on Record

August 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CLAY IA
Recording Date	Aug 30, 2018
Property Address	1103 5TH AVE E, SPENCER, IA 51301-4525
Document Number	2018/2331
Book / Page	2018 / 2331
Instrument Date	Aug 30, 2018
Instrument	000000002331
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
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
Address	1103 5TH AVE E, SPENCER, IA 51301-4525

Tax Assessment & Valuation

The 2025 property tax bill for 1103 5th Ave E was $1,034, down 29% from the year before.

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	$1,034.00 (-29.03%)	$67,460 Land $20,380 Building $47,080	$67,460 Land $20,380 Building $47,080
2024	$1,457.00
2023		$60,210 (+13.26%) Land $14,270 Building $45,940	$60,210 Land $14,270 Building $45,940
2022	$1,459.00	$53,160 Land $14,270 Building $38,890
2021			$53,160 Land $14,270 Building $38,890

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

Flood

FEMA maps place 1103 5th Ave E in Zone X, an area of minimal flood risk.

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

The area around 1103 5th Ave E 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.

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.

Nearby Properties on 5th Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures