1204 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1204 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 728 sqft · built 1950
Lot Size	0.28 acres (12,212 sqft)
Owner	Individual Name on Record
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607256021`

Property Details

APN / Parcel Number

Primary APN	`963607256021`
Alternative APN	`64096360725602100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	728 sqft Living Area
Basement Area	728 sqft
Finished Basement	525 sqft
Unfinished Basement	728 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,212 sqft (0.28 acres)
Lot Dimensions	86 ft deep x 142 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1204 5TH AVE E
City	SPENCER
State	IA
Zip	51301-4526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-7 5 FAIVIEW
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	3038
Census Tract	80200

Owner

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

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	1204 5TH AVE E, SPENCER, IA 51301-4526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 31, 2017
Property Address	1204 5TH AVE E, SPENCER, IA 51301-4526
Document Number	02017/1991
Book / Page	2017 / 1991
Instrument Date	Jul 27, 2017
Instrument	2017 1991
Transaction Type	Transfer
Record Updated	Jul 8, 2022

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
Address	3263 335TH AVE, 3263, RUTHVEN, IA 51358-7516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 5TH AVE E, SPENCER, IA 51301-4526

Mortgage

Document Number	02017/1992
Date	Jul 31, 2017
Book Page	2017/1992
Instrument	1992

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$2,328.00 (+9.81%) Homeowner's exemption	$162,900 (+14.18%) Land $36,350 Building $126,550	$162,900 (+14.18%) Land $36,350 Building $126,550
2024	$2,120.00 (+5.37%)
2023		$142,670 (+15.9%) Land $25,450 Building $117,220	$142,670 (+15.9%) Land $25,450 Building $117,220
2022	$2,012.00 Homeowner's exemption	$123,100 Land $25,450 Building $97,650
2021			$123,100 Land $25,450 Building $97,650

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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