113 E 5th St, Spencer, IA 51301 Property Records

Clay County property record for 113 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1938
Lot Size	0.082 acres (3,600 sqft)
Owner	Individual Name on Record
Last Sale	$91,000 (Jul 2019)
Tax Bill	$1,844 (2024)
Deeds & Mortgages	Feb 2008 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607385007`

Property Details

APN / Parcel Number

Primary APN	`963607385007`
Alternative APN	`64096360738500700`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	896 sqft Living Area
Basement Area	896 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Architectural Style	Cape Cod
Exterior Material	Wood Shingle
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Lot Area	3,600 sqft (0.082 acres)
Lot Dimensions	100 ft deep x 36 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360738500700
Street Address	113 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CBD CENTRAL B
Legal Description	W 36' 6-7 28 1ST RY
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	RAILWAY 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2011
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 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	PO BOX 122, FOSTORIA, IA 51340-0122
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2008	Deed of Trust, Mortgage · USDA Mortgage USDA
Nov 17, 2017	Deed of Trust, Mortgage · ARM FARMERS TRUST & SAVINGS BANK
Jul 15, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Deed Document Number	1801
Deed Book / Page	2019 / 1801
Record Updated	Jun 8, 2026

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	113 E 5TH ST, SPENCER, IA 51301-5012
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02008/0409
Date	Feb 11, 2008
Book Page	2008/0409
Instrument	2008 0409

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Feb 11, 2041

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	113 E 5TH ST, SPENCER, IA 51301-5012
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/3010
Date	Nov 17, 2017
Book Page	2017/3010
Instrument	2017 3010

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2020
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6%
Index	1-Year CMT
Margin	3
Max Rate	9%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 15, 2019
Property Address	113 E 5TH ST, SPENCER, IA 51301-5012
Document Number	02019/1801
Book / Page	2019 / 1801
Instrument Date	Jul 10, 2019
Instrument	1801
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 1ST AVE SW, FOSTORIA, IA 51340

Mortgage

Document Number	02019/1802
Date	Jul 15, 2019
Book Page	2019/1802
Instrument	1802

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$120,460 (+4.53%) Land $19,010 Building $101,450	$120,460 (+4.53%) Land $19,010 Building $101,450
2024	$1,844.00 (+6.96%)
2023		$115,240 (+17.72%) Land $19,010 Building $96,230	$115,240 (+17.72%) Land $19,010 Building $96,230
2022	$1,724.00	$97,890 Land $19,010 Building $78,880
2021			$97,890 Land $19,010 Building $78,880

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	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 484 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.

Nearby Properties on E 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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