Clay County property record for 111 E 20th St, Spencer, IA 51301
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 25,080 sqft · built 1966 |
| Lot Size | 2.85 acres (124,581 sqft) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606379801 |
| Primary APN | 963606379801 |
|---|
| Stories | 3 Stories |
|---|---|
| Building Area | 25,080 sqft Gross Area |
| Basement Area | 1,504 sqft |
| Year Built | Built 1966 |
|---|---|
| Exterior Material | Brick |
| Roof Material | Rolled Roofing |
| Lot Area | 124,581 sqft (2.85 acres) |
| Shed | 1 Shed |
| Street Address | 111 E 20TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2360 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | 1 SUNSET HOME ADD. |
| Legal Subdivision | SUNSET HOME ADD |
| Jurisdiction | CLAY IA |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 80200 |
111 E 20th St, a residential property, is owned by a company that acquired it in June 1980.
Source: Clay County records, as of October 11, 2023
| Owner Type | Company |
|---|
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Last Sale | Jun 23, 1980 |
|---|---|
| Deed Sale | Jun 23, 1980 |
| Deed Document Number | 0000Q2 330 |
| Record Updated | Jun 7, 2026 |
Source: Clay County assessment roll, as of May 1, 2023
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
FEMA maps place 111 E 20th St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.
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.
Wildfire risk around 111 E 20th St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% 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.
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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