1220 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1220 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 1963
Lot Size	0.155 acres (6,750 sqft)
Owner	Individual Name on File
Last Sale	$136,000 (Nov 2018)
Tax Bill	$2,246 (2025)
Deeds & Mortgages	Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607256001`

Property Details

APN / Parcel Number

Primary APN	`963607256001`
Alternative APN	`64096360725600100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Finished Basement	450 sqft
Unfinished Basement	960 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	6,750 sqft (0.155 acres)
Lot Dimensions	90 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	712 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1220 5TH AVE E
City	SPENCER
State	IA
Zip	51301-4526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9 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

1220 5th Ave E is owned and occupied by an individual who bought it in November 2018.

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

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 904, SPENCER, IA 51301-0904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2018 · Amount on File
Deed Sale	Nov 15, 2018 · Amount on File
Deed Document Number	20182990
Deed Book / Page	2018 / 2990
Record Updated	Oct 29, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 15, 2018
Property Address	1220 5TH AVE E, SPENCER, IA 51301-4526
Document Number	2018/2990
Book / Page	2018 / 2990
Instrument Date	Nov 8, 2018
Instrument	000000002990
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV 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	1220 5TH AVE E, SPENCER, IA 51301-4526

Mortgage

Document Number	0000002018/0000002991
Date	Nov 15, 2018
Book Page	0000002018/0000002991
Instrument	000000002991

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	386 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1220 5th Ave E was $2,246 with a homeowner's exemption, up 6.5% 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	$2,246.00 (+6.55%) Homeowner's exemption	$172,170 Land $24,900 Building $147,270	$172,170 Land $24,900 Building $147,270
2024	$2,108.00
2023		$155,560 (+18.29%) Land $17,430 Building $138,130	$155,560 Land $17,430 Building $138,130
2022	$2,160.00 Homeowner's exemption	$131,510 Land $17,430 Building $114,080
2021			$131,510 Land $17,430 Building $114,080

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

Flood

FEMA maps place 1220 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 1220 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.

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