Clay County property record for 128 E 1st St, Spencer, IA 51301
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 7 ba · 2,317 sqft · built 1920 |
| Lot Size | 0.185 acres (8,052 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,674 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618139007 |
| Primary APN | 963618139007 |
|---|---|
| Alternative APN |
|
| Full Baths | 7 Baths |
|---|---|
| Half Baths | 4 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,317 sqft Total Area |
| 1st Floor Area | 952 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,052 sqft (0.185 acres) |
| Lot Dimensions | 122 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 36 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 128 E 1ST ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5237 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | 2 3 J O.P. E 1/2 3 J O.P. |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 18 |
| Legal Subdivision | ORIGINAL PLAT |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 80200 |
128 E 1st St, a residential property, is owned by a company.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 26, SPENCER, IA 51301-0026 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 128 E 1st St was $1,674, down 2.2% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,674.00 (-2.22%) | $109,260 Land $17,110 Building $92,150 | $109,260 Land $17,110 Building $92,150 |
| 2024 | $1,712.00 | ||
| 2023 | $106,920 (+41.54%) Land $12,670 Building $94,250 | $106,920 Land $12,670 Building $94,250 | |
| 2022 | $1,330.00 | $75,540 Land $12,670 Building $62,870 | |
| 2021 | $75,540 Land $12,670 Building $62,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 E 1st St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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.
The area around 128 E 1st St 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.
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 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.
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