1214 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1214 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,010 sqft · built 1963
Lot Size	0.136 acres (5,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$163,000 (Jul 2022)
Tax Bill	$2,104 (2025)
Deeds & Mortgages	May 2017 Mortgage Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607256002`

Property Details

APN / Parcel Number

Primary APN	`963607256002`
Alternative APN	`64096360725600200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,010 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	500 sqft
Unfinished Basement	960 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Shingles
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,940 sqft (0.136 acres)
Lot Dimensions	90 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Deck Area	179 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1214 5TH AVE E
City	SPENCER
State	IA
Zip	51301-4526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 5 FAIRVIEW PARK
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW PARK 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	2 Individual Names on Record
Mailing Address	1214 5TH AVE E, SPENCER, IA 51301-4526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jul 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Mar 28, 2017	Deed, Transfer
Mar 28, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Mar 28, 2017 · Amount on Record
Deed Document Number	20221733
Deed Book / Page	2022 / 1733
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1214 5TH AVE E, SPENCER, IA 51301-4526
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/1079
Date	May 1, 2017
Book Page	2017/1079
Instrument	1079

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 1, 2022
Property Address	1214 5TH AVE E, SPENCER, IA 51301-4526
Document Number	02022/1733
Book / Page	2022 / 1733
Instrument Date	Jul 1, 2022
Instrument	2022 1733
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1214 5TH AVE E, SPENCER, IA 51301-4526

Mortgage

Document Number	02022/1734
Date	Jul 1, 2022
Book Page	2022/1734
Instrument	2022 1734

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Mar 28, 2017
Property Address	1214 5TH AVE E, SPENCER, IA 51301-4526
Document Number	002017/735
Book / Page	2017 / 735
Instrument Date	Mar 27, 2017
Instrument	2017 735
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Tax	$193.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1214 5TH AVE E, SPENCER, IA 51301-4526

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Mar 28, 2017
Property Address	1214 5TH AVE E, SPENCER, IA 51301-4526
Document Number	02017/0735
Book / Page	2017 / 0735
Instrument Date	Mar 27, 2017
Instrument	2017 0735
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	1214 5TH AVE E, SPENCER, IA 51301-4526

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	$2,104.00 (+6.59%) Homeowner's exemption	$171,910 (+10.42%) Land $21,910 Building $150,000	$171,910 (+10.42%) Land $21,910 Building $150,000
2024	$1,974.00 (-5.64%)
2023		$155,690 (+18.82%) Land $15,340 Building $140,350	$155,690 (+18.82%) Land $15,340 Building $140,350
2022	$2,092.00 Homeowner's exemption	$131,030 Land $15,340 Building $115,690
2021			$131,030 Land $15,340 Building $115,690

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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